Select Portfolio Servicing Reviews

Urgent Request to Correct the next Mortgage Payment Due Date. I refinanced my mortgage and transferred servicing to SPS. According to my refinance documents, my first payment should be due in December 2025. However, your system incorrectly shows the first payment due as November 2025. I called SPS on 10/28/2025, explained the issue, and submitted all supporting documents as requested. Despite this, the incorrect due date remains. I made the November payment only to avoid late fees, even though it should not have been required.

SPS Servicing Company withdraw money out of my bank account without my consent or approval. I was shocked when I received a notification that $2358.54 was withdrawn out of my bank account in September 2025. When I called the SPS for reasoning behind such transactions, the agent said in high voice that the company did so to avoid foreclosure on my home loan mortgage with the city of Los Angeles. I was confused. I have not skipped any of my monthly home loan payment since Bank of America transferred the service to SPS. After this confusion and fear, the agent told to pay $14,435.31 immediately to avoid further foreclosure action which I sadly agreed for SPS to withdraw the additional amount of $14,435.31 from my bank account. SPS took ($14,435.31 + $2358.54) = $16,793.85 from my bank account.

Do not agree to have Select Portfolio service your loan.. They have employees who do not know what they are doing. I along with my lawyers have been trying to transfer my deed to my trust and have been getting the run around for past three months being told a different thing and requesting the same info over and over. They then said they can't give me permission to transfer I need to go to bank who owns the loan. Then they proceeded to give me a letter with incorrect bank owner. Once I got the correct bank they are saying the servicer is who deals with any transfer request. I'm still going back and forth. Bank is looking into figuring it out.

If I could give them no stars I would. This "company " has no business doing business. We have gotten the runaround every week, asking for documentation that we have previously sent. Now, after almost 3 months, they want a new application and say we need to call every 3 to 5 days to make sure they got what was sent. Even after we call after the documentation was sent and was confirmed it was received. Avoid them at all costs.

US Bank sold my mortgage to SPS. It is definitely conducting illegal practices and echoing everyone on here - the amount of stress from dealing with them is overwhelming. This company continually harasses us with letters, calls, it needs to be shut down and I'm wondering what kind of rights we have. Anyone have any suggestions?

They set up an escrow account without my permission even though I provided them with all the information they requested... two times! And my payment went up $12.08 for no reason? I have had multiple communications with them, and finally had to get on the phone today with an agent to try to straighten this out. They are wasting my valuable time. I have had multiple home loans with many providers over 25 years. I am disappointed that US Bank sold my loan to this very poorly run company! I think SPS is just looking for ways to nickel and dime clients on the loans they bought in hopes the client won't fight them! Just horrible.

That bank should be investigated. Terrible customer service. My account was transferred to SPS; it's been a nightmare from day one. They're a scam. In the middle of the process of selling my house, they transferred the loan to SPS, and they're charging us extra money in interest. Every representative my husband has spoken to gives him different information. The representatives attitudes aren't the best. stay away from that bank.

Absolutely horrible company to deal with - if I could give zero stars, I would. They purchased my loan a couple months ago, and they are the worst when it comes to customer service. An error on their part, which was including the VOE phone number I provided to the initial company, as my contact number. I thought I had set up auto pay when the transfer took place, but apparently it did not go through, and I ended up with a late payment. Every other company I've dealt with is always proactive, and reaches out to their clients when a payment is past due. I got absolutely nothing from them (calls, emails, texts). I only got a notification from Experian, and My True Identity, that a delinquent account was reported on my credit report.

Select Portfolio Servicing is a terrible company uninterested in providing any service to their customers. You should absolutely stay away from this company. They make some of their money (as many lower-tier lenders do) by purposefully taking actions to lower their customers' credit ratings (through lower scores), which enables them and other lenders to charge higher rates than would be normal if the actual credit quality they report was correct. They do not follow federal guidelines; they are supposed to reply to inquiries within 30 days and they do not. The credit bureaus make money from outfits like this because the credit bureaus want to do anything possible to lower consumers' credit scores, so that their clients who are lenders, can charge higher rates on quality loans than they would otherwise. This is a shady organization and it's stunning that their staff works there considering how dishonest the entire enterprise is.

I would not give this mortgage company any stars. We unfortunately had our mortgage sold to them earlier this year and they’re already trying to scam us with wind insurance. We already told them that we have wind insurance under an existing policy and they keep threatening us with Buying their own policy. They already had a class action lawsuit against them, which they lost for this exact same thing. Why are these people still in business?

SPS is using federal guidelines to impact the consumer, in this case myself unfairly. SPS dragged out the disaster evaluation from a roof repair from hurricane process for 3 months. Having experience in the credit industry, I have first hand experience in recognizing the delays were not reasonable as underwriters continually missed information already provided adn failed to provide full reviews. There was not any indication they could not reach a reasonable payment plan, or that they could not move the disaster assistance payments to the end of the loan in the same fashion our other mortgage with a reputable bank could.

$68000 loan has a payoff of $109,000... Been paying thirteen years and loan doubled instead of having any paydown of the $68000 loan. Called to see if I can make a offer to refinance and they said that they have to send a their appraiser to give me a price... Told me I can refinance at $146,000... criminals.

Clearly I am joining the party here. WORST company of all time! My mortgage was unfortunately sold to them about 6 months ago. I have been getting charged for insurance by my insurance company for months. I finally had a chance to call today and apparently it is because they never bothered to pay the bill, despite the account having impounds. Also, when I called today the person who answered the phone was no help and said according to their records I haven't even made any payments on my mortgage. So, where did the 16+k I sent them go? Will be contacting a lawyer.

They sucks! They scam us with a lot of money. Now we don't have enough money to get a place to stay. Now we have to stay out on the street. Don't trust this company. They don't answer the phone, they add a lot fees too.

My parents are 84- and 80-years old. Parents are in danger of losing their home that they had already paid for and wanted to do a refinance to get cash out of the home, somehow, they ended up with a modification loan without ever missing a payment on their mortgage, they have been given a few months to come up with 12,000 that they do not have, my father is a cancer patient and have been stress out about losing his home, I will be reporting this company for elderly abuse among other things concerning the type of loan and the current balance, this is an awful company and they shouldn't be allowed to do business.

Company is a total scam. They canceled our home owners insurance because they refused to pay and basically cheated us out of the money. As a result of them not paying or notifying us our home owners insurance got canceled. Worst company ever.

The Worst company! Poor communication, they don't document anything, lose ALL paperwork Certified mail included. Hang up on customer, nothing is put in file. Deceptive. Been trying to illegally foreclose on me. Refused payment (full) during modification. Sent me a letter they shredded my payment. I tried to make initial modification payment with bank debit card. SPS REFUSED saying it had to be a bank check for the initial payment. Stated on a recorded line that a note would be put in my file stating payment is coming snail mail and will NOT be considered late.

This is the worst of the worst!!! These people are rude, they don’t know their job!! They are incompetent and arrogant all at the same time. There should be a class action lawsuit against them!!! They do not help the customer and they add fees illegally!!

The only reason I rated SPS one star is because there wasn’t an option for zero. Customer support is a joke with absolutely no clue what others are doing. I could definitely write pages on the continued problems. My mortgage is completely paid off and waiting on a large refund that looks like I will have to hire legal counsel to collect. I feel for anyone dealing with this group.

I wish that it could be a zero. I have been trying to get a modification for months and they keep giving me the runaround and now I am in foreclosure. Ombudsman is a joke. Stalling tactics. They ask for the same deposits over and over again.

This company needs to be investigated and I would advise anyone writing a review or reading complaints and deciding if they will leave a review, just go to the following websites: in California, California Department of Financial Protection and Innovation (DFPI). Federal Government: Consumer Financial Protection Bureau (CFPB). These agencies protect consumers of mortgages and if nothing else, your complaint collectively will trigger an investigation. SPS is run by people with big problems and big attitudes. They want any correspondence with them to be uploaded to the SPS servicing website via your dashboard. In every, and I mean every letter I have uploaded has gone unanswered.

They've committed fraud and have caused financial damages to me and my credit report. I paid my property insurance in full and per their instructions have mailed in a request to have the property insurance removed from the escrow account. They deliberately and repeatedly deny the request without explaining and continue to try to collect for it. I have had to stop automatic payments because of their attempts to collect $1,000 more each month. Every time I call to try and get a resolution I’m always met with a rep who berates me, insults me, and always have to wait 20 minutes to talk to a supervisor who does nothing, except disrespect me and indicates theirs nothing that can be done. When I even ask to speak to someone else they say there’s no one else to speak to. I’ve even requested my mortgage be sold to someone else since I did not consent or authorize these people to purchase my mortgage from the previous servicing company.

If you don’t pay on the due date they start calling you the day after due date then they start coming to your home then they just keep adding the following months on until the whole amount is paid or they keep harassing you and threatening you're going into default. By all rights if that full amount is paid your account is 3 months ahead, had my accountant look at my account and that is exactly what they're doing, these people are crooks and act inappropriately when servicing us people.

I reiterate others' sentiments that this is by far the worst lending company. I have several properties and have held loans for over 20 years never experiencing what I have experienced at this agency. They don't know how to manage funds or evaluate escrow funding. My loan went up one month an additional $2000 because they said we had an escrow shortage. Since then, they still stay we are at a deficit and it's been an additional year and a half.

Select Portfolio trespassed on my FEIT trust. They alleged they bought my mortgage when in fact the last debtor company that managed my estate sold them my note in bad faith. My house has been titled in my trust since 2013 via BB&T MORTGAGE SC. In NC the Interstate Banking Act of 198: banks can’t own property. They are mortgage servicing my trust without prior written consent. They are trying to enforce a debt when I’m a creditor to their accounts receivable. Under the Custody Audit Rule, SPs legally misrepresented themselves as a “lien holder“ to my insurance company as a mortgage servicing company in which I’m current on all payments. They don’t have a POA nor will they provide a copy of POA over my estate. They are public agents under public law 73-10. They are demanding a specific species of currency when we converted a note to purchase the home (new construction) in 2009.

We had our mortgage sent to SPS a while back and this is by far the worst company I've ever dealt with especially when it comes to getting assistance when an extreme hardship occurs. And I now know that this company is predatory and will not adhere to anything they tell you. We've been trying hard to keep up but it's not easy. And they've made things very difficult.

Select Portfolio Servicing (SPS) is the absolute worst unethical company I have ever dealt with. SPS bought our mortgage many years ago and we never, not one time, made a late payment to SPS. We were so tired and fed up with their representatives and legal department lying to our attorney that we went and refinanced with an ethical banking institution to get away from SPS. While looking into refinancing, SPS advised us we owed over $18,000 more than our payoff. SPS advised that we “verbally over the phone” agreed to the extra debt with a former mortgage company that had our loan. We do not have any recollection whatsoever of this happening. I was advised “well if you didn’t agree to it, your wife must have”. My wife never once ever spoke to SPS. We asked SPS to provide the documents we signed for the extra debt and SPS said “it was verbal over the phone”. We reported SPS to the BBB, and SPS lied about our interactions.

My mortgage was sold to them about a year ago and I've had problems ever since. I've had my mortgage for 20 years and never had problem until they took over. The customer service rep are incompetent. I always have to call back and speak to a supervisor to get the correct answers and help I need. This company is sad. I will be refinancing to get away from them.

"Every word is my opinion of SPS Mortgage Company and the entire staff." SPS employees are some of the most incompetent/scammers to be classified as a mortgage company. They refuse to take responsibility/accountability for mismanaging my escrow account and monthly payments. By them not knowing their duties and responsibilities, my mortgage went from $908.00 to 1,598.00, because of mismanagement. I refuse to pay $698+ more monthly, because of their negligence, ignorance, stupidity, and incompetence. I paid SPS off in full and still had eight (8) years left on the mortgage. The only money I received for paying SPS off early was 40+ dollars.

Please stop selecting this company with such awful customer service reviews. I echo the ongoing complaint as the 1000s of others I'm seeing. They unfairly try to charge fees to make timely payment. How ridiculous. The world is fighting the fair fight against late fees and this company brags about charging fees to make timely or early payment. We can do better than this. Stop using them!!!

They are horrible, deceptive. They’re very unorganized, they lie, overcharge and they drive you crazy. I had to pay the loan off just to keep my sanity, and even though my balance was stated they still managed to squeeze an extra 15,000 afterward. Even after I pay them off, they continued to charge me. I’m going to Sue and anybody who wants to join with me. I think it’s a good idea.

My property got water damage. And insurance paid the damage, but it need their signature as well. I sent a check to them and they hold on on the check. They would not release it. Delay the process for more than 2 months. They create a website that makes you to go there and try. And try to get the money that need to repair the house. It's a horrible system and it cannot be worse than that.

This company does a lot as it is an investment brokerage who buys debts. One of the things they've branched into, since the banking laws were rolled back, is servicing - and I use that term loosely - mortgages. This company assumed my mortgage 4 months ago. They immediately sent me a bill, with the principal increased by several thousands of dollars. No one should ever be able to increase that origination number. It is fixed. They could not tell me why this happened, promised to fix it, then sent me a new statement with an added 20 bucks. There was no service fee associated. If they do this to every person, they make billions.

I have requested multiple times for the business to explain why they continue to send letters stating that the Trust Documentation and Death Certificate, which I was asked to supply to validate my authorization to access my dad's account, as his successor trustee, but I continue to be hindered and denied frivolously from access to the account.

My loan got transferred to them a month ago. They have been constantly harassing me, They call but do not leave a message. I went from Mr. Cooper, who is not much better to this because I complained so many times to them. Mr. Cooper stole over 30k plus out of my financial account, did not pay my home insurance, refused to respond to letters, emails and now I have this to contend with. I am going to hire an attorney and sue them both. They are not going by the original loan agreement, they did not pay home insurance within the 30 days, which by federal government they broke the law. I am a senior, and I just can't deal with the ongoing harassment of both companies, they have lied to me many times, cussed at me, hung up the phone in my face, lied to the federal government, etc. Time to fight fire with fire, Suing both companies.

SPS does Not honor promises made by the ombudsman department. I agreed to sell my brother's house with the agreement that I would receive a $3000 settlement but now they won't pay. Ironically, my son is going to refinance his house this week but SPS has lost our business.

This company has been a complete NIGHTMARE. My grandmother passed in 2023 so I’ve been taking over the payments. So I guess they found out about her passing, and now they aren’t letting me make anymore payments. They won’t even give me ANY information about the account. I’m currently in probate court right now, but I am stressed because I'm not sure if I'm gonna go into foreclosure. They are withholding information from me and my family. :(((

SPS is the worst and quite possibly a criminal enterprise seeking to steal people's hard earned equity/homes via confusion, lies , delays, frustration and unreasonable asks. Our story is similar to others shown here. Disreputable is an understatement.

Avoid This Company at All Costs — A Terrible Experience. If I could give this company a rating lower than zero, I absolutely would. Based on my overall experience, I would rate them -100 stars. Over the past six months, Select Portfolio Servicing, Inc. has caused me nothing but stress, delays, and financial hardship. They consistently withheld my funds held in escrow and repeatedly refused to return them, despite my continuous requests. Additionally, they were extremely delayed in paying my property taxes using my own escrowed money, which caused further complications.

This is a horrible company to work with, avoid at all cost to deal with this disorganized enterprise (if so can be named like that) they will make your precious time on the phone, repeating over and over again, their staff work from home and have not any kind of work ethic, nobody knows anything. Third world companies will work better than this one.

**One Star – Avoid SPS Mortgage at All Costs!** My experience with SPS Mortgage has been nothing short of a nightmare. From the beginning, their administration has been shockingly disorganized. Important documents were lost multiple times, and I had to resend the same paperwork over and over again. Every time I called for an update, I got a different answer from a different person—nobody seemed to know what was going on with my account.

Select Portfolio Services, LLC Or SPS. They are without a doubt, the worst company I have ever dealt with. Miscommunication and poor, if any communication between their internal departments. There is no direct contact or follow up by anyone. They do not want a paper trail, so they only use phone correspondence and make you call the toll free line, go through the automated prompts only to get a random representative every time you call. Then they will transfer you to a so called specialist who will do nothing to help you but waste your time. If you have the very unfortunate luck and end up having them as your lender, please get away from them.

Updated on 05/14/2025: The Ombudsman called me today with the same claim that they could use a quit claim to modify the mortgage without my knowledge or consent, and the same veiled threat that the letter had already delivered to me. This, plus the phone calls for payment on the second day of the month, are harassing.

SPS allowed my sibling to modify my mother’s mortgage multiple times in the past few years. She wasn’t able to sign her name or agree with the modifications due to mental illness. He was able to add thousands of dollars of balloon payments to the loan by forging her name. Once she passed, I found these mods and brought it to the company’s attention. They denied knowing anything and told me I need to pay house off or assume mortgage. Wonderful company to work with. I suggest everyone stay far far away from these thieves!

Took out a 2nd mortgage when the ex decided we were divorcing thru countrywide. It got sold to BoA. Fixed interest rate and all good. Then they sold it to SPS. Put me on a some daily interest rate. I always paid extra on the principal. They constantly put it towards interest. They were always calling and complaining that my payments were late. They got to where they were sending the bill out the day it was due. They were always calling and threatening to foreclose on my house. I finally just got money from my 401k and paid them off. I hate this company. I would recommend never using them.

The fact that there are only about 22 “five” star ratings and almost 800 “one” star ratings speaks for itself. Worst mortgage company I’ve ever worked with. I was sold to this incompetent company and have had nothing but headaches.

Three times in 5 years SPS has replaced my insurance with their own (much more expensive) hazard insurance. After doing assessment, they said the house was vacant. And sent a letter to my insurance company telling them to cancel my insurance immediately. We have 2 cars, a pool, and a trampoline in the yard, furniture on the porches, and two dogs, and curtains in the windows. The house is very clearly lived in. Then they made my insurance company ask me to take pictures of each room in the house to show that it was furnished and lived in. (Thereby delaying the insurance reinstatement) and the placed insurance policy was double what my own insurance was!

This company is terrible. They constantly make mistakes at the expense of the people and they don't care. This company should be investigated for negligence. I have lost the ability to purchase a home because of these idiots and will be contacting the CFPB as well as the FTC. I have to give them 1 star in order to post this review, but in reality they are at about a negative 3 stars in my opinion.

I cannot imagine a more frustrating and miserable experience than having SPS as my lender. They took over my loan from WaFd bank in the Fall of last year and proceeded to overcharge me by 20% every month since. They "opened an investigation" for 3 months -- the whole time during which I continued to overpay to avoid fees and derogatory remarks -- and when it concluded in my favor nothing changed.

Please let my review serve as a dire warning! First let me start off by saying that if I could give them 0 or a negative value as a rating I would do it without hesitation. Warning! Do Not do ANY business with this entity! The left hand does not know what the right hand is doing and worst of all, they're actually comfortable with that business model. My loan was sold to SPS and it has been a complete nightmare for that last 24 months. Everything has been snowballing downhill as if there was a magnet at the bottom of their preverbal destructive pit of destruction.

These people are not BBB accredited!! That alone should speak volumes! My mother died two years ago, knowing what my dad was going through, these jerks were and still are making it difficult to make payments, to get a loan adjustment, to get ahold of anyone. Foreclosure letters come almost daily! At this point I’m getting an attorney. They are taking advantage of my dad during his time of grief and also due to his age. They are confusing him. No one you speak to has the same answers! Stay away from these idiots!!

STAY AWAY FROM THEM!! My mortgage got transferred to them, unfortunately. They have very high interest rates, and it is impossible to get a hold of anyone in the company. They are very confusing and have very poor internal communication. God forbid you need mortgage assistance from them!! They will suggest you apply for mortgage assistance; they will take a full 1 year to approve it and in the end, they will reject it because they just wanted to gain time to steal your property. STAY AWAY FROM THEM AND DON'T TRUST THEM!! They don't help customers, all they want is your money and your property. They will make it difficult to get a hold of them or approve any document you submit. Worst company ever, it should be shut down. That is why it has so many low starts in every review you read about them.

I spoke to Jennifer today, 2/27/25 because I have not received my monthly for March payment. Last monthly, my payment was delayed via USPS priority mail. It took almost two weeks of tracking with no results. Finally I launched an inquiry through USPS and the matter was resolved expeditiously. It appears to me without pointing fingers, I am indirectly a there to force me to online service. Every time you call you have to hear that offer. Today, Jennifer started the same message and when I asked to stop, she continued. I slightly elevated my voice to make her hear me and she said to me, "You do not have to raise or yell." Poor Customer Service!!! If SPS is interested in good service, each representative should be surveyed after each customer.

This is possibly the worst person to have alone with random fees, unapplied principal Payment. The absolute worst. I would I would not recommend them to anybody. There was a possible way to give them zero stars I would give them zero stars.

I was forced into using SPS two years ago, and in that short time they have overpaid my property taxes (requiring a refund in the following tax year), misapplied principal prepayments, inaccurately reported my YTD payments, duplicated the reporting of my escrow refunds, and have never sent my physical 1098 forms. And, when actually accessing my 1098s online, the numbers being reported to the IRS are incorrect/nonsensical because they only reflect the internal accounting of their screw ups and not actual outlays.

I was due about $200.00 as an escrow overage refund and a check was mailed out to my mailing address on file. As I am currently working outside of the country for an extended period of time, I have no way to access my mail. I contacted SPS to discuss the situation and hopefully find a solution so I could receive the funds. Thought that a simple solution would be to ACH deposit the funds into the checking account that makes the monthly automatic payment (they already have the routing and account numbers). For whatever reason, SPS cannot do this. I asked for an alternative option and was told there were no other options other than mailing a check. Spoke with a supervisor who could not provide any additional assistance. I guess I have to find a way to collect my funds from 9,000 miles away. Not impressed with the service.

On February 7, 2025, I received a letter dated January 1, 2025 (sent on February 4, 2025), informing me that my interest rate was being increased to 20%. The reason given was that I had allegedly failed to make my mortgage payments. This claim is completely false. I have never missed a mortgage payment, and I am not behind on my payments.

This company's operations should be illegal. How are they allowed to buy my mortgage and then refuse to service my account? I call over and over and they say they will take an action, with no response or action after weeks of waiting. Now with the pro-billionaire, anti-consumer political environment and dismantling of regulations designed to protect against this financial abuse, I am expecting this will become normalized across other companies as well. Sad times for our country.

I am a SPS client in distress, I asked to assist with mortgage modification. Darrion was assigned to assist. For 3 weeks I can’t figure out what missing documents he want. I asked him to call me 3 times, he ignored my request and never called. Every time I call to CS and speak to different people and every time I learn something new needed. I have 2 employments: part-time main job and as needed bases in school district. I did not any hours in school in the last 2 months so have no paystubs. I was told by CS to submit Employment Verification letter. It took me 1 day, it was faxed today and today at night I again got stupid email to submit last 2 paystubs!!! How stupid my relationship manager Darrion has to be???

Awful company, awful customer service, awful experience. This company purchased my loan and can’t/ didn’t get (so they say) my legal paperwork that was attached to the loan giving me authorization to conduct business concerning the loan. Sent in paperwork numerous times and they still ask to resend or for something different. These are court notarized documents. They overcharged escrows and put a Lien on account for taxes that were overly covered by the escrow account. They do not know what they are doing…. And won’t talk to me about it because they still don’t have my paperwork signed off on. Just Awful company.

Terrible mortgage company. I can’t stress enough to get as far away from this company as humanly possible!!!! I will do everything I can to make sure no one I know ever uses them for their mortgage.

Horrible!, I don't know how these people sleep at night. Forced flood I didn't have and need as my house is built on stilts and the previous company didn't want floor insurance but after talking to them like 6 times I wasn't getting anywhere, I did get my own insurance for $601, they tried to force one at $3850. Then they lied about the effective day and charged me $1007 for a few months since refinancing even though one of the employees whom I spoke with told me I had till January 6 to get coverage. Absolutely the worse

I just in shock on how this company steal from their customers. Be very careful with them. Charging money for extra unneeded stuff and when calling for weeks they still checking. They are charging me for escrow of an insurance I already paid

I have been with SPS for over 10 years and I have never had a problem. They have been very helpful with Mortgage assistance and everything. Very professional and knowledgeable. Have been given an answer from a CSR, but I call back to speak with another CSR and the same exact answer given. I’m very happy with SPS.

This company is a total joke. I'm seeking council at this point. Mission Loans generated it and they were great.. This sham of a company has bought the loan and totally incompetent... How they remain in business is wild...

Scammer. Run away. Someone in that company stole my money order. They deny that it was received even though I have tracking information backing up that it was sent and was cashed out the next day. My loan was transferred to them. Didn't have a choice.

We had a loan with another company which we had some payments in forbearance, which were adding those payments to the end of the mortgage. But they ended up taking over. They wouldn’t honor the agreement we had with Mr Cooper and wanted us to sign a modification that would start all over for another 30 years. We purchased the home in 2006. Why would we start over again and add more years making the payoff date 2065. They are rude as hell and don’t know how to talk to anyone. Why are they still in business. They are a bunch of rip offs. What if we didn’t know any better? They could have taken advantage of us. They do not care or want to help you.

This company is fraudulent. My zero sum loan was “transferred” to this company. The loan had been paid off already but now the scandalous thieves are insisting I now owe $640,000 - for a mortgage that had already been paid off fully. Imagine the deception of pretending I owed the loan all over again. Thieves is too kind a word.

My loan was transferred as a commercial line and they reported it to the credit bureaus. They suppress some information but still showing inaccuracy. I am gonna sue the hell out of this company. BEWARE!!! RUN FAR FAR AWAY FROM THIS COMPANY...DO NOT GIVE BUSINESS.

We were transferred to SPS in October. I called 3 times during October to ask if we needed to make a payment. They said NO multiple times. I pressed ok to be recorded also. Our agreement was dated to start November 1st, and they told me that’s when the first payment is due. We paid both Nov, Dec and January and They are now saying there was a mixup and I am a month late. We signed an agreement stating Nov 1. I have talked to 20+ people having to re tell them my problem and now this is hurting our credit. They also don’t take our payment for 11 days which is insane through ACH. I have been on the phone since November and no one can get back to me or help me with the issue.

They make me genuinely concerned with legally grey practices when it comes to taking liberties on your behalf. Their awful customer service does little to alleviate concerns. Every person I talk to is almost inaudible because of whatever awful headsets they use, they constantly interrupt you anytime you try to get a word in, and all of them either speak English as a second language or randomly switch to dead air.

This place is a scam. I have tried numerous times talking to people but they are so rude and try to talk to you like you don’t know anything. They even make it hard for you to try to pay off your mortgage. I have requested documents and they have sent them to me several times with missing paperwork. They are very incompetent and don’t really care about how their ignorance can affect your life. How are they still around?

Terrible Customer Service with Unethical Policies and Procedures. This Service Provider does everything except provide a service to their customers. The lack of communication and business acumen was unprofessional. In efforts to purchase a short sale, we submitted fully executed contract, ordered appraisal, proof of funds (multiple times), and all other necessary paperwork to the Ombudsman Department. I spoke to at least 8 different representatives who told me to keep calling back every hour. We did so and they couldn't provide any update for weeks. This caused the property to go into Auction and we lost the house. All conversations were recorded which will prove the incompetency of this Provider.

Unfortunately, 99.9% of the time, SPS will not offer any sort of modification. They are snakes just waiting to prey on people. They use names of employees that do not work there, they continue to robo-sign documents using those fictitious employees, and claim they need clarification to string customers along. In doing so, they make more money and take more homes than anyone else in the business. I have filed disputes with the DFI, FTC and Ombudsman; all with no movement or resolve. My advice to others; record calls, make everything in writing and take down every employee's name along with the date and time. Never, and I mean never, trust that they are here to help you.

WE have had a horrible experience with them. Gone on for 7 months now. They filed foreclosure on us. My son has even tried to end his life because him facing being homeless is more than he can handle. He has worked 14 yrs taking care of his place and when Covid hit lost his job. It's been a struggle ever since to get back on his feet. We have gone above and beyond trying to get them what they want but there's always an excuse to drag it on so they can get foreclosure. They keep saying they are working on a modification but they still filed a foreclosure for Jan. 16, 2025 which is prohibited in Arizona when working on a assistance plan. They still did it. People pounding on the door leaving flyers, it's humiliating and scary. In other words we're in trouble. I've gone to UPS to fax same papers 13 times and that's not including papers I have scanned. It's always someone different with no answers. Now we have no place to go.

They lie, manipulate and make the experience extremely difficult. If you don’t have legal assistance you will lose your property. They are master manipulators and everyone says something different. You have to understand this is not a mortgage company, this is a mortgage debt collection agency so their conversation and approach is vulture. Even though they may write what is required their conversation will not be the same. I was told once I was caught up I could make partial payments as often as needed on their app — LIES. I’m trying to download documents they sent. Their system has it appear that you have but nothing will be received. Tried to email them from the app… nothing received.

I sold my home November 1 and they received payment November 13. I called Select portfolio 10 times and 10 times I received different answers. I elected to have calls recorded so they can listen for proof. Three customer service reps said checks were mailed on the 21st and 25th and this information was false. I now I have a significant overage and my closing attorney has also verified that but select portfolio says no I don’t. Not even a month ago I had surplus of 16 thousand. I applied funds. Now I have nothing. Instead of applying the total of 237 thousand they took bit and pieces of that payment every day. Yet I cannot see where it was applied. I am denied a payment breakdown since August when I was completely caught up and current on my mtg.

We have only had our mortgage with SPS for two months and both of our payments so far have been applied wrong and we get daily calls saying our payment is late even though we have paid in advance and extra principal for both months. When you call nobody knows what is going on or why it's not correct. I think there are several lawsuits against SPS. Worst company to deal with ever.....

In 2021, congress pass a bill allowing mortgage companies to offer a forbearance for hardship or lost of jobs due to covid. I did a 3 months forbearance which goes on the back my loan. They're trying to tell me that it was a modification. FRAUD!! My house would've been paid off in 2037. However, because of a 3 months of forbearance, SPS is telling me my loan has been extended until 2055. Basically, they've added 18 years on my mortgage because of a 3 months excused forbearance authorized by the federal government. This will be a major class action lawsuit. If anyone else has experience this please email me **.

Worst servicer ever. Can't even see online info as website is always down and app doesn't work. They should get their act together or transfer the loan... If I didn't have auto payment I wouldn't even be able to pay my mortgage.

The worst company and people I know. They are a nightmare. I hope they sell my home mortgage loan to another bank. I missed to deal with other kind of people. Nationstar Mortgage, Chase, Mr Cooper, Washington Mutual were very cooperative.

My mortgage was purchased by SPS a couple of years ago. The 750+ one-star reviews speak for themselves. The WORST customer service, scam central ever. They sell your information, the terms & conditions you have to sign to get access to your information essentially make you consent to SPS using your information for other means. And you have to pay a fee to pay your mortgage online if you don’t have auto withdraw set up. This place scams you in every way they can.

I have been with SPS for 8 months. Eight months ago we filed for mortgage assistance. They have consistently asked for updated information. I sent all the correct documents at the start. If you call, they tell you everything looks great. Then no it isn’t a few days later. You can never call and talk to the same person. So you have to start over from the beginning. We really feel like we are getting the run around. Stay away if you can.

My father died in 2022. He left the house to me and my sister. By the time our step-monster notified us, she had, unbeknownst to us, stopped paying the mortgages on the house. She wouldn't give us any information. Fast forward, we evicted her. We got notice of foreclosure from one bank and luckily were able to secure that loan as heirs with little to no issue. For months we paid that loan on time. All along, we had no clue about a 2nd loan that was serviced by, yes, Select Portfolio Servicing. They bought my parents' loan after their original mortgage company went out of business. It's unfortunate that the bank that we did assume the loan over, did not notify us that they were not the main mortgage loan owner. They were the secondary. SPS was the main loan. So, SPS began to post their blue door knob notes. By the time we realized that they weren't just random solicitors, they had begun the foreclosure process.

Twice this month, Select Portfolio Servicing has double withdrawn my mortgage from my bank account. I called the company and I was told is that I would have to submit proof of this by a representative who admitted they could see the double transactions were recorded by SPS (see screen shot made of SPS website attached). Then I was told that I had called in both times and made the second payment via the EZ Pay route. I would like for SPS to prove this - I can certainly prove that I never made such calls to them. I wonder if this has happened to any other SPS customers.

Although I think all the 1-star reviews speak for themselves. My mortgage was sold to SPS, and it has been nothing but a headache. I received an escrow shortage letter, which didn't justify the increase. After some research I learned they paid my summer taxes twice... That's why they stated there was a shortage. If they paid my taxes twice why, in October, does the Township website still show I owe the SUMMER taxes? Which are now accumulating late fees. After more research I found out they have been sending the checks to the wrong address for the Township.

Our mortgage was sold to SPS and shortly afterwards their malicious pre meditated plan foreclosure began. They first reduced our monthly payment by not including insurance or taxes in the monthly amount for 6 months.... Causing a negative balance in escrow. After months of questioning and them refusing communication with an account manager our monthly payment increased from $2800 to $6000 per month with their new insurance and tax Assessment. Initially we were late with payments due to the large increase. We asked for explanation as to the new double payment and only received rudeness. To date we are left with an untrusting expectation that they will do something else to cause non payment by some new erroneous charge to our 2.9% fixed mortgage.

How is this company still in business? I recently had one of my accounts transferred to SPS, and I have to say, this has been the worst online portal experience I’ve ever encountered. As someone who manages multiple accounts for various clients, I’m familiar with several service providers, and SPS stands out for all the wrong reasons.

Outright crooks. After years of not just timely payments but early ones, we just received the dreaded escrow shortage letter. Over 6k worth, increasing our monthly payments nearly $800! We cannot afford this being on a fixed income. The people I spoke with for “help” are slimeballs. I’m filing multiple complaints and seeking legal help.

Wow! I’m not a big review type person but this has probably got to be one of the worst experiences I’ve ever encountered in my life. I fell behind on my mortgage during the pandemic. Unfortunately, we did not get an approval for a loan modification and had to seek help from our state for homeowners assistance which we were approved! The amount was not enough to reinstate the loan but they offered to try another loan modification. Again, we were denied.

Hey everyone. I wrote a review a year ago on this company. They brought my loan from Green tree. This is the worst loan company that I have ever dealt with. I think they brought mine loan two years ago. I came into some money recently so as of Oct. 11 2024. I paid them off. Told them to send all my paper work showing that home was paid of and never contact me again and told them if I could give them 0 rating I would. Also tell them, "I wouldn't have picked you." And if they don't send my paper work soon, they will be hearing from my lawyer. They made me used my social security number every time I logged in to their page, I think that is how my data got breached a few years ago. I thank god I do not have to deal with these people anymore, good luck everyone.

Somehow, we ended up in the hands of this horrific company. We have paid our mortgage always exactly on time for 17 years. Suddenly were in the hands of this company. Two years later, they claim that we owe them an additional more than $6000 in escrow that they are charging us monthly an extra nearly $600 to pay them off on top of our escrow payment. It's unbelievable. I called but could not get it a coherent answer. I'm going to have to turn to the Consumer affairs.

I My loan was transferred to this horrific company in March of 2024. In one months time, I got a threatening delinquency notice from the county that my taxes were not paid, even tho, they are impounded. Had to write a non response letter to deal with it. Haven't receive an explanation nor what actions were taken to address this issue, but also have not received any threatening notice either.

I've had a loan serviced by SPS for years and the payoff process has been one of the most excruciatingly painful, disorganized and drawn out experiences. I've been a real estate agent for more than 20 years, and have never seen anything like this. I would not recommend working with them.

Deplorable company. My Wells Fargo mortgage was transferred to them which was out of my control. I had no idea until I went to pay my mortgage payment to Wells Fargo and the site said my loan had been sold so I couldn't make a payment. No information from SPS until several weeks later. As such my mortgage payments fell behind and incurred fees. Rude people in customer service who aren't there to try and help you out. Deplorable company in every respect.

This company is a joke. My loan was transferred to them which I contacted them. They had no record of my loan. I called multiple times for weeks. They still had no info on my loan then finally they have my loan and was told I'm behind on two payments. I explained to them I've called multiple times about the loan. They told me I should have received a welcome letter from them in the mail which I asked when that was sent out which they checked and it was never sent out so I've had to make 3 mortgage payments within 3 weeks to get my account caught.

Do not use these people… Over two months with cash trying to Pay off my sister's home loan with cash from my bank by wire!! They send it back and add $1000 to her balance… They absolutely are the pits!!

I have multiple loans being serviced by them. Customer support is terrible. They did not pay my taxes even though the money is in escrow found out by getting a lien notice from the city. Called SPS multiple times and asked them to pay the taxes. They claimed they did. I got a 2nd notice from the city called again and was told a escrow an analysis was needed. 2 weeks went by. Heard nothing. I ended up paying the taxes myself because SPS still has not paid the past due tax bill. This on top of insurance issues it's just terrible servicing company. If your loan was sold and they are the servicing company good luck.

This is the worst company ever. They do not care about you because your mortgage is part of a portfolio. Don't try to relate to them on a human level because it's not gonna happen. And don't fall for the mysterious relationship manager. Because there never is anyone with that name and you will never find a way to talk to the relationship manager. If for some reason your mortgage gets transferred to them run away quickly. Worse company ever. ✌

I appalled I have complained about this company last year and tried talking with them, they are the worst servicer ever!!!! They scam money I have never not or ever had homeowners insurance, or my escrow at the time of last year never missed a payment and always in the negative, SPS could never answer my emails or my calls and put someone on the phone that doesnt speak english. I AM DONE something has to give, I refuse I want a new servicer and I need the CFPB, Attorney General's help, I am writing email and complaints tonight, sps charges all the fees and interest on escrow how is that possible, I have a covential fixed mortgage, I paid it off but 8,000 left and its backed by the government. Don't use this company. Run, run, run

Stay away from this horrible company if you can, but unfortunately it can be out of your control. Constant errors in their sporadic and contradictory communications. Won’t provide important information in writing. When you call you get a different answer from each person you speak to. Takes ridiculous amounts of time to complete simple tasks with every possible and impossible excuse. You have been warned here by many hundreds of very unhappy customers.

I was transferred to this horrible company. To reduce my charges, I paid my home insurance before the year instead of my escrow account. Their site is unclear, and now I have an increase of $25.26, which is an unclear charge. I can tell this will be a horrible company to work with. As I know the laws and want them to tell me in writing no, but I have been with this company for no more than a month. I was transferred July and did not get notice until August, neither company reached out in a timely manner and the other company was Network Capital. The people are unpleasant and the company gives all scam vibes when you speak to the agents.

My mortgage payment was raised to $3.808.85 from $2.648.03. An increase of $1.160.82 extra each month. SPS (Select Portfolio Services) claim that my taxes were not paid and I was delinquent and now my escrow account is negative $6k+. I have never missed a payment. Always paid on time and frequently paid extra to the principal in an attempt to payoff my mortgage faster. Apparently they didn't pay my taxes which is their responsibility do so.

Updated on 09/19/2024: Update regarding my escrow being raised: I filed a complaint against SPS with the ** Consumer Financial Protection Bureau (CFPB), and they sent SPS my complaint and SPS corrected the error and removed all extra fees they were charging me, so that was a pleasant outcome. However, after reading all their bad reviews on here and having the problem with them not paying my property taxes on time and then trying to overcharge me, I decided to remove my escrow account with them and pay my property taxes and homeowner's insurance myself. I will put the money I was sending SPS into my savings account and I'll collect the interest from the money I'll be saving to pay those bills.

SP Servicing took over a loan of mine two years ago, and they have been very difficult to work with. They placed lender placed insurance on my account even though I keep showing them that I have an existing policy. They have been double billing me for insurance each month in my escrow account, and now owe me $5,000. Every time I call, no one can help me. I have opened tickets, escalated it to the highest possible level, and no one will ever resolve it. It has been over 5 months now that I have been trying to get this resolved with no luck.

DO NOT USE this loan servicer. If your loan is transferred refinance right away! Look at all the reviews and from my own personal experience this company is borderline criminal. Anyone coming to this board to research complaints needs to call their Attorney's General Office, Consumer Financial Protection Bureau, the FBI's mortgage fraud unit, and state and federal legislators. This company has gotten away with this for way too long.

If your mortgage is sold to this company, expect them to use every method imaginable to take your home. They took my home way back in 2012, and I did a google search to see if they are still in business. They are, and according to 99 percent of the reviews here, they are still just as crooked as ever. This company WILL NOT help you. It is in their best interest to take your home away from you, which they will end up doing. Their methods are so shady that they will even send people to your home to intimidate you, and make countless amounts of threatening phone calls.

Hi. They will not apply payments in that they increase amounts and do not apply until increased amount in receipt whether agreed to or not There is the poem from Madagascar! Reprehensible man or fool as the poem decries Otherwise going beyond the limits of life the one who does so life will not leave alone until going beyond Which is a way of saying is an image Hindu sages might say the ones doing reactive assumption on the journey to wisdom.

This is the worst mortgage company to have. I was in foreclosure and applied for the emergency home assistance program. Long story short I was approved and a payment was paid more than what was owed in arrears on June 11th and as of this day they are still listing my property on the foreclosure list. I had made numerous calls to SPS and as of today July 11th I am hoping I made progress on getting my property off the foreclosure list and stopping the sale of the property.

This company is the worst. My mortgage got bought by them and they inputted my account number wrong for autopay. This has led to a frustrating series of calls trying to get money that I paid credited to my account. I am looking at any way possible to be done with them- it’s so frustrating that a mortgage company is given to you because the one you went with sold the loan and you are left dealing with their incompetence and shady practices. I encourage anyone to run as far as you can from this place. I have dealt with multiple mortgage companies and never had issues even close to this bad. They are the worst.

They are forcing lender placed insurance on my land only property which is not required as there is no dwelling to insure. This company is shady with zero customer support! Their ombudsman department is a joke. They call to tell you they don’t have any updates making dealing with them even more frustrating! After calling and writing for 3 months and proving documentation, I filed a complaint with **. Everyone should file a complaint. They need to be held accountable!

My aunt passed away and her mortgage was with SPS. I called to let them know that I was waiting for court to be assigned the administrator. This took several months. Once I received it I sent it to their " relationship managers". We then started working on the house. In the midst of all this they came and put a vacant sticker on the house saying they were seizing it 3 days. The number on the sticker is no longer in service. I was in the process of putting 20k into the house to sell it. They never approved me as a third party so they wouldn't talk to me. I gave them the letter of Administration and death certificate. I called so many times, and still was never approved. The payoff amount was so inflated and I'm still not sure if the house has officially closed as they refused to work with the title company. This company is the biggest scam.

I have an adjustable-rate mortgage with SPS that adjusts annually every February to take effect for my March payment. SPS sent me a letter in December notifying me of my new index and projected new monthly payments. They based the new payments on the December Principal amount owed minus my normal January and February monthly projected principal payments. I also made a $30k principal payment the 1st of January in order to lower my new monthly payment. I was told that they would apply my $30k principal payment in the new calculation for my new effective payment in March. They did not give me credit when they calculated my monthly payment. My argument was that they included the Jan & Feb monthly principal; though why not my $30k principal. It was under review for over 3 months for them to tell me they were not going to adjust my loan.

I'm trying to get them to apply the payoff balance on my loan. Not only have they sat on the check for over a week, they hit me with a standard monthly deduction from my bank even though it was already part of the payoff amount in the check they were sitting on, Why sit on it? Because they want the $1.71 in daily interest between now and July 7. Took 45 minutes on the phone to get them to agree to return the monthly payment they took. We'll see if it's back in my account 2-3 days from now...

This company is a fraud. My home was discharged in bankruptcy and I left the home in 2018. It is on a rental lot and they have never picked up the home and the landlord wants it off her lot so she is trying to get it removed. But Jamie from SPS says they are not coming for it and they have no interest in it and said that even tho it was discharged in bankruptcy I still owe the debt. I do not. I called a bankruptcy attorney who said the home is not my responsibility since it was discharged and he knows way more than SPS. Remove the home now. This is on you.

Omg what a joke this company is. Run away as far as you can, I made my payment every month, is not enough, they are not doing their job to get info. They are calling and harassing me every week for being late on payment

Do not have SPS have control escrow for your property taxes, they will take the money from your account and not pay the county the property taxes. I have been calling SPS for 3 months trying to get an answer as to why they have not paid my property taxes, and they can't give me any payment information at all. They just keep telling me, "it will be 10 days, or call back in 10 days, or we have a 10 day waiting period to get this fixed". This place is fraudulent and will steal your money.

Hello I just want to start by saying SPS has ALWAYS been very very professional and nice but this representative name JULIA was so rude. I called to make my payment. It was a couple days late and she said I had to be more responsible on making my payments when I had called several times once to tell them my payment was going to be late, second to tell them I had my payment but I was asked to wait because I had the automatic payments. So, so, so unprofessional. I had NEVER had a representative talk to me that way before with SPS. =[

This company is pure EVIL! They want me to give them time to sort out their screw ups but won’t give me time to make the payments since they still haven’t applied the funds I sent after almost a month. I also sent them the reinstatement amount. They said It didn’t get there until the day of the sale. But I have certified receipt saying it got there the day before. This company needs to be shut down!

One of the most unethical, unprofessional mortgage company I've ever had the misfortune of dealing with. I'll be filing a complaint with the appropriate gov't entity today due to their inept & unprofessional behavior.

This is the most terrifying mortgage company to deal with. I fell behind on my mortgage during Covid, this company was so so sweet and promised that they could help. I applied for a modification, sent in all required paperwork, they dragged it out for months, continuing to state that I had not sent documentation. I started the process all over again, in February they said again that I did not have all proper documentation. When I called them, the CS rep said she was putting a request in for my documents to be reviewed, as the issue was that when my notarized documents were scanned in, the seal did not show up. I was assured that I did not need to do anything, that I would hear back from them. Well I can't get anyone who can help me on the phone, been calling weekly since the beginning of February. Now they are foreclosing on me!!!!

I cannot begin to express the incompetence and horrible service of this company - if I could leave a 1,000,000,000,000 negative stars I would. It took a year for us to realize that when SPS bought our mortgage they did not track our insurance and started taking extra money through our escrow. This came close to $10K. It took a few months for them to recognize the mistake and put the funds back in our escrow. It is now another 6 months later and we still have not received a check. It's 2024 - almost any legitimate company can wire money, and if they don't, they should be able to send checks to the right address. I've spoken to 50 agents and waited on hold for countless hours, and each person is as clueless as the next person - including every manager. Thanks for stealing my money. Seeing how many other terrible reviews are out there, I'm going to start a class action suit.

We filled out a Request for Mortgage Assistance with Select Portfolio Servicing (SPS) back in August of 2023. We received numerous requests for clarification and additional information, all of which we complied with. Then their 'underwriting' circled back and started rejecting our RMA because they wanted more information - the same information requests that we had already complied with and uploaded as requested. They dragged this process out for months, repeatedly asking for information that they already had and our calls and conversations with their customer service team never resolved the situation. Then they said our RMA information was out of date and required that we resubmit a new RMA with updated information - which we did again. They they started all over rejecting our RMA for the same reasons they used last time and we again uploaded clarification and documents that complied with their requests and should have resolved the issue.

The worst company to have a loan with. They will charge you for everything they can get away with. Watch your account for false charges. If you speak with someone there you better record your conversation. They will give you false information and everyone you talk with has something different to tell you.

SPS is the worst mortgage company I have ever dealt with, they have no empathy and do not even try to help someone when in hardship, but yet they are good to raise payments saying taxes went up. The one person I did speak to on the phone was rude, condescending and talked over me, when asked to speak to her supervisor she took forever I would say on purpose. Her supervisor was just as rude and talking over me as well. Towards the end of conversation they said they couldn't help me. I wish I could get out of this awful mortgage company. Worst experience ever.

All, please NEVER EVER use SPS as your mortgage company! SPS is a vampire, who charges my dollars to the escrow account all the time, but they don't pay my property tax on time. I checked the property tax on the local gov website and I found I was charged a hefty interest because SPS doesn't pay my tax. I called them to get the reimbursement for the penalty due to their fault, however, they said it's not their responsibility but it's my lender's. My lender transferred my info to SPS 2 months ago, but SPS said their transfer is still underway, what?! They made a mistake on my SSN, so I can't get access to the website to manage my account for 3 months. I sent my SSN copy to their only available email address, relationship.manager@spservicing.com, trust me, this email address is ghosting, and no one would reply to you at all.

My mortgage was raised by $600+ due to shortage in escrow, yet the notice I got was for $400. Can get no answers about the $200 difference. The one person I did speak to on the phone was rude, condescending and talked over me. After sending additional detail around the $400 quoted, I got a form letter this week I was thrilled about, did not answer my question. I work for a finance company and our customers never get treated with the lack of compassion and respect this company shows. Not a happy customer.

This company seems to be not legit with lots of issues. MR. Copper sold my mortgage to them and they have calling saying they have not gotten a payment, so my bank spoke with to give them statements when they took it out my bank account, it's something with the everyday. I think everyone on here who have a problem with this company we all need to file a claim against them and start a litigation as soon as possible.

We had a great mortgage company with Mr. Cooper for two years with no issues. Well they sold to Select Portfolio. During my initial conversation with select they informed me that I had 60 days to make first payment. Well immediately they started sending me past due letters and calling non stop. We made one payment like we said. A few days later they started sending us past due again. Our loan with them went official in November, and now in January they have already hit my credit. After speaking to them last week on the phone stating I was going to pay them when my check came. Beware of this agency, terrible practice.

Select Portfolio Servicing (SPS), owes me over $11,000 due to significantly overcharging me in ‘insurance costs’ (they even stated this in writing to me - that they overcharged me by this huge amount). However, every time I call them, they keep saying the check is coming. They have been saying this since September. It is now December. You can see many other consumers have the same complaint, as well as many other complaints of fraud, with a quick Google search (eg on Yelp, BBB, etc).

This year both Insurance and Taxes went up causing a deficit in my Escrow account. In addition to making up the deficit, they tacked on a $1,000 min amount in the account. Legally they are allowed 658.00.

Worst company to deal with mortgage. I wish consumers have more say in which lenders we choose, rather than us getting passed around like a toy. Where is the consumer protection agency?? They messed up on my name, despite all my original paperwork showing the correct name. They even admitted it was entered incorrectly on their end. I called in at least 5-6 times, before they finally changed it. I asked about incorporating our Supplemental property tax into our payment.. kept going back 5-6 times, every time it’s always the same. “We will escalate this to the manager. I will personally call you back next week.” Nada. Nothing. A month ago, still no update. You’d think for all the money they take from us in interest, they’d get their act together. So frustrating.

A few years ago we were with Caliber loans. If we were late we contacted them and they worked with us. Great company! Then we were turned over to Select portfolio and it all went to hell. When they took the account over we couldn't make a payment because they were waiting for Caliber to give them the info. So we're late and created a late fee. They told us just we told them we couldn't afford it and wait. We missed 2 payments and when they wanted the payment we didn't have it. Then they created attorney fees because we missed our payments and started foreclosure. We settled everything but still owed attorney fees of 10000 dollars. Today we owe more than what we borrowed in 2006 even with payments. During covid my wife was near death and in the hospital for 4 months. We missed some payments again. It took a few months to get back to Select.

I would give them zero stars if possible. First, our loan was sold to them a few years ago. Our payments were always automatically deducted from our checking account on a bi-weekly basis. When SPS took over our loan, all that changed. First, payments weren't automatically deducted. When we tried to setup autopay, they would not allow us to do bi-weekly payments. Therefore, we had to call them every two weeks to make the bi-weekly payment. Finally, they setup the ability to make bi-weekly payments. Fast forward to end of loan... now our final payment is due. There was no auto draft from our account, although their documentation states that autopayments will continue until loan is paid in full. We call and they tell us we have to send last payment as wire or certified check. We were never notified of this, to which they admitted. This company is unprofessional and do not follow their own policies which they have in writing.

On March 29, 2023 I sent in $37,059.23 to Select Portfolio Servicing to be applied towards my monthly payments which would have covered a total of 12 months, since I already had a partial credit on my account. That means my next monthly payment would have been due on April 1, 2024. Since then I have had nothing but trouble. It began with a phone call from SPS Mortgage saying I was past due on my account for the May 1, 2023 payment. I let the representative know that the large payment was to be applied to my monthly payments, representative said okay and she would take care of it.

**. I just want say to all the homeowners OUT THERE, if you experiencing over charging in your escrow account, suddenly SHORT for no reasons or any notice or explanation, error or missing payments, file a complaint right away to Department of Saving and Mortgage Lending, also with Federal Trade Commission to put stop to this company. They got the license to uses in their favor by making error in your account then treat you you going to loss your home. Also they don't want to refund your money from escrow. They add something on paperwork so it look like you're short so they can keep your money. Missing payment.

My nightmare started when I accidentally overpaid my mortgage by 25,000.00. I contacted them immediately to try to solve the problem. They assured me that a refund would be in my bank within a week or two at the most and made note of it. Three weeks later and 10 phone calls later, the funds were not refunded. They decided to pay off the mortgage and said they would send me a letter explaining when a refund would be issued. She (Alyssa) told me that she had no further information and that no one also had any other information and could not help me. She said they have 60 days to make a refund.

TERRIBLE. I've dealt with some bad mortgage companies in the past, but these guys take the cake. Then again, Mortgage companies are like Internet Service Providers, are there really any good ones? In the most recent of shenanigans with SPS, they sent me a letter stating they found they had made an error in my modification agreement. They admitted they had been charging me the "incorrect interest rate" for 12 months, TWELVE months, and then they have the nerve to put a 2-week deadline on the paperwork for me to sign to have this corrected or it would remain as is for the life of the loan.

I keep sending over documents, and I'm always told, "We never received them, or it came through blurry," like many other of these reviews state. I would also like to know when I receive calls from Utah, it comes up on my caller ID as POTENTIAL SPAM! You never talk to the same person twice, and NO ONE knows what is going on.. All in all, this is a poorly run company, and should be shut down!!

I have been living in my current home for 28 years. I was recommended by a friend to switch to banks because the monthly rates were cheaper. I went from paying $550 a month to $1650 a month within a year of doing business with these crooks. Not only did they not return any of my calls or emails. They had the nerve to send me certified letters that required a signature. And they would also call 3 days out of the week and harass me to tell me that my monthly payments were going to increase more than they already had. They kept asking for papers that they had already received. They also would claim that the paperwork that was sent from my lawyer was blurry and not readable. Not sure how that works. But everything was clean when it was sent by mail.

I have been trying now for 2 months to close my escrow so I can deal with it myself. I have to do this because I keep having to change property insurance companies due to their fluctuating rates. Their customer service is useless. They don't call you back and each has a different answer for the same question. Do business with anyone else if you value your sanity.

I refinance my home approximately 20 years ago with this company from Chase Manhattan which I should've remained with. I clearly stated to their representative that I want my homeowner's insurance to continue to be included in my mortgage payment which he did not do. My 1st red flag. He claims he didn't hear that. Afterwards I received my first statement. So for a few years I struggled to pay my own homeowner's insurance while in between changing jobs and taking a decrease in pay. Finally when my homeowner's insurance collapse this company took it out of my escrow and increased my monthly payment from $600+ sum to over $800+ sum a month then they started telling me my escrow was in the negative so beginning of last year I sent them $800+ sum to get me back on track.

Escrow payment increasing over $400 without having an escrow shortage, new policy is servicer is requiring a two month cushion in reserve, in this economy this is too much to ask! Customer Service was terrible and had really no mortgage knowledge whatsoever just kept arguing company policy! There is no escrow or mortgage representative to speak to who can answer questions or identify a mistake only customer service representatives whom are not bankers for sure!

They did their job and handled everything well. Timely payment credits, insurance claim processing and escrow management. Prompt repayment of escrow after house sale. I don't understand the negative reviews from my experience.

Purchased a home of last year 2022 during the summer. I had an issue where 2-3 of my mortgage payments did not go through, and they ended up giving me a warning that the house would go into foreclosure. After speaking to a representative, they gave me a payment plan to get my mortgage payments back to normal. They demanded the first payment being a certified cashier check sent via certified mail.

Please stay away please. I'm a veteran. 100% disabled and the state of Georgia if you 100% disabled you don't pay property taxes. Call them several times as well as sending the info in. Still they said they can't do that. It's case by case that's why. Please run. I'm seeing this house ASAP. They are the worst.

I noticed that my taxes were not paid for the third quarter, 29 days after they were due for both of the mortgages I have with Select Portfolio Servicing Inc. When I called up the company the lady on the phone was giving conflicting information. She first stated that the mortgage is paid yearly. I asked to clarify if she meant that it was only paid once a year. She then said there were six payments. I then questioned her about her previous statement about once a year. She continually flipped flopped on what she would say in regard to how many times a year they make payments on my taxes. I then cut to the chase making sure she understood how quarterly payments worked. I then asked her if they made a payment in January, then in April, does she realize that it has be well over 3 months since a payment has been made. She just kept repeating that the next payment is due in October. She wouldn't acknowledge they made a mistake.

This company is the worst ever. Two days before my house was closing they hired an asset preservation company to go out and drain my 18,000 gallon pool and drill holes into the pool deck causing extra damages that were unnecessary. I fought to get this property back from my deadbeat ex-husband and paid thousands to clean it up to sell it and they damaged the pool and accept no responsibility for the damages. After two months of being passed around from person to person they finally send me to their Ombudsman who refused to do anything about it even though they received every dollar of their ridiculous overstated payoff. I can't understand how you can say the property was vacant when the power was on and the pool pump was working when your company turned the pump off from the outside of the house. Don't make any sense at all how the consumer has to pay for their bad decisions.

They've been bad since Tom Basmajian crawled out of the concrete business to create Fairbanks Capital Corp. The PMI Group went right along with them. Credit Suisse purchased the company as soon as they settled the class action and rewarded them with a $6B servicing platform circa 2006. I was one of the 281,100 FTC-certified victims of Fairbanks in 2004. Judging by the reviews, they don't seem to have changed at all. Keep copies of EVERYTHING sent to or received from them. Keep homeowners policies up to date and handy. They liked to assess homeowners with force placed insurance when the homeowner had their own policy in place.

Since the onset of acquisition of my loan, this company has increased the escrow account significantly. Even after reviewing documents that states the amounts are much lower. I've tried working with them but they won't budge. They are horrible. Putting me in jeopardy of losing my home.

This company is the worst! I tried to get a loan modification on my mortgage and it's been close to a year and still no decision. They keep asking me for the same information over and over again. I guess their goal is to have me give up. Stay away from this company. I don't know how they remain in business with such a poor service.

If these guys service your loan ...RUN RUN RUN. They cannot calculate basic things such as escrow and forced my mortgage to go up over $2k when all the appropriate tax and insurance revised figures were known. They don't take any accountability. They overcharged me like crazy in my escrow account then tried not to give me the money back (illegal). When I said I was going to sue, I got my own money back. I've had numerous mortgage services and haven't even seen one company that was 1/10th as bad as SPS Select.

This company is the worst, they over charge me for about 2 years now in escrow, about $500 per month. That's $6000 per year! without any real justification, I did contact them many many times via phone, certified letter, give them the full breakdown but they don't care, I am 100% right, 2 different accountant also did check the numbers and I am right, they over charge me. They answer is, "You pay or we will foreclose you." I never missed a payment and never will, I have no choice than to file this report now!

My wife and I are trying very hard to restore our home to pre-loss condition following a furnace fire, but SP Servicing, Inc. (SPS) has caused all work to stop due to its incompetent handling of our State Farm Insurance claim check. Following specific SPS instructions as detailed in their specific instructions, our unendorsed claim check was forwarded to their Springfield, Ohio address on June 2, 2023. The check was to be endorsed by SPS and returned to us to by June 10, 2023 to avoid any delays in our restoration project. However, they have not endorsed the check as promised, have not released it, and they're refusing to release it. The work scheduled to begin on June 12, 2023 has been indefinitely postponed until OUR insurance funds are made available. What's interesting is that they cannot cash the check without our endorsement and we don't have access to our claim funds because they won't endorse/release the check!

This company supposedly took over my mortgage from BofA (HLS). I had trouble from the day they started “servicing” it. As a victim of a predatory loan scheme, I had just dismissed a complaint after negotiating what I thought were fair terms. SPS misapplied my payments, continued the same activity they got in trouble with before, misled me into believing they were (seriously) considering me for a modification (HAMP), when all I got were constant requests for duplicate documents and documents unavailable. Not only were they “dual-tracking”, I believe they had 3 applications open for me at the same time.

My loan was sold the SPS years ago and I have been a good customer and on time payer. SpS notified me that my new payment would increase, again, due to the escrow shortage of approximately 2500. Previously, whenever I had a shortage they would always give me the option to spread it out over 2 years, keeping my payment affordable. I called and spoke to a woman who told me that they would do it and told me what my new payment would be. The payment never changed and no explanation.

I was put into a forbearance program without my consent or knowledge. They stopped my auto payments without my knowledge and notified me that I was in forbearance. They then offered me a modification which added another 20 years and $30k balloon payment to the loan. How is this legal? I have hired an attorney and waiting for their explanation. Also, please file a complaint to CFPB. There is a pattern to this behavior and they're committing fraud.

I have been working with you for a few years as a Loan for my house, my payments are punctual for years, I wanted to remove my PMI where I qualified correctly and you sent me a letter where it is dated April 26, it arrived a week later where I marked and signed the letter to remove the PMI and also send my Money Order of $450.00 dollars in the name of Select Portfolio Servicing from May 4 and until today May 15, 2023 they have told me that they have not received anything, and this is impossible. The letter does not. It takes a long time and I have informed you that the time is long, the people with whom I communicated from Customer Services have been some with disrespect without tolerance, like others very professional, for example Ms. Johanna at extension ** and Ms. Angela extension **.

My spouse passed away recently, and I have assumed our mortgage. SPS is our lender. I applied for loan modification, so I will be able to pay the mortgage within my budget. I will summarize my experience with this company in a few words: A total joke. First, you only get to talk to representatives, and each representative will tell you different messages about the status of your application. For example, if I talk to 5 different representatives, you will receive five varying messages about the status of your application. Even if you record your conversation with a representative, and try to make a complaint later on, you will not be able to get any feedback about the complaint. All they can do is to coach their representative, and that is it. It is a one-sided way of doing things.

Purchased my home 20 years ago (I was 19 years old). When the loan balance was just under 20k BofA sold it to SPS about 2 1/2 years ago. Never had ANY issues with BofA. Received a letter mid May saying that my "loan maturity date" was April 5th and a final payment of $4700 was due or they would send it to an attorney for foreclosure. $4781.27 is about 3X more than my reg payment. I went ahead and sent them the money as they required and gave myself a pat on the back that the home is paid off.... I shouldn't have celebrated so soon! I kept logging onto the SPS site and it never posted to the acct. After calling them every day for a week...they kept saying. "Sir, we received the funds and it's processing to the acct".

I recently purchased a home 3 months ago and the loan got sold to Select Portfolio Servicing, my escrow monthly is 520 usd that include taxes and insurance. And my monthly payment was 3450. When I created my acc they put I have to pay monthly 5020 when the error is in their end, as they put the taxes of my 380k home being 23700 a year. Is nonsense and I called them to fix it yet, they treat me badly, and didn't want to help me fix the issue. What I will do is pay this loan quickly with my small business. The reviews here doesn't help my gut feeling of the company.

This company is a disgrace. Operating on the fringe of illegality. The worst bunch of crooks I've ever dealt with. They continually operate in a way that puts the home owner in constant threat of delinquency even though you are not delinquent and have never missed a payment outright crooks. My rating of SPS is a negative 100. They should have their pants sued off.

What they’re doing to people has to be ILLEGAL. My loan originated in August 2021. I started getting letters from the county that my taxes weren’t being paid. It resulted in fines and they made ME PAY THE PENALTIES FOR 2,000. I am not sure what has happened since then because it is now April 2023 and I am somehow 10k under in escrow. THEY UPPED MY PAYMENT FROM 1800 to 3040!!!! THIS IS INSANE. BEWARE AND STAY FAR AWAY.

My experience with Select Portfolio Servicing (SPS) was the most horrific experience in my life time. I was in a foreclosure dispute with SPS from 2012-2018. It ended in 2018 when I was handcuffed and forcefully evicted by the Sheriff's Department. I had a letter from a law firm that was emailed to me less than 24 hours prior and was told that I would be working with the law firm. Instead I was evicted the next day. In 2017 SPS retained two different law firms to basically scare me into conceding with them. It is impossible for me to tell the entire story. I filed numerous complaints with county, state and federal agencies. Basically, SPS started a foreclosure on my home when it had already been foreclosed upon. In the end the tables turned on SPS and an Attorney that was processing foreclosures for them in Maryland allegedly stole the proceeds from foreclosure actions. **

My SPS loan will mature on 09/27/23. I was told today that my last payment would require a balloon payment of $14,000 on the last payment. When I called they said it was for a deferment which never happened. The loan has been sold at least 4 times since 2003. When I spoke to the Rep they could not tell me any details on the deferral. Anyone else in the same boat?

Our mortgage lender changed hands to Select Portfolio Servicing (SPS) in 2022. It has been a struggle and a fight for SPS to accept and make payments to our Insurance company (AF - the company I've had for over 15 years with no problems). SPS customer service is extremely difficult to contact and talk to a living person - they want you to use their website and listen to recordings. I WANT TO CHANGE MY MORTGAGE LENDER! But I have no option or say when my lender changes hands without my consent.

This company is skirting the edges of the law with their corrupt nature. They turn off your ability to make payments, then report you to the credit agencies as not making your payments. They also give you a huge payoff (more than the original loan!) that never once showed on any statements. When you dispute it, you have to do so by email, which they slow roll for another two months to get you even further behind!! They need to be investigated by federal and state agencies for their predatory and immoral business!!

I have shared the pain of almost all of these reviews. Foreclosure threat from non-payment of property taxes which included a PACE loan lien in 04/21 due to Covid-19 life event caused SPS to advance escrow to include taxes into my P and I loan they had purchased from UWM in 2019. They escalated advance payback of 4K over 4 months by increasing loan payment 1K. They set me up to fail and I bought into their offer of forbearance. Tried the loan mod route and was denied. Hired HUD counselor who recommended American Rescue Plan Act's HAF. I applied to CA Mtg Relief, was approved, and funds were wired to SPS. SPS did not acknowledge receipt to CA Mtg Relief, so CA Mtg Relief requested I also try to confirm. When I did try, SPS put a deferral offer on the table, which I refused in light of the approved grant. SPS sent the funds back to CA Mtg Relief and informed them I was in a deferral.

Our mortgage was transferred to SPS in Sept. 2021... When we were notified of this change the first thing I did was Google reviews on this company, and they were bad, very bad... I was so paranoid about our account not transferring properly or payments being misapplied that I paid our mortgage ahead with our old company for 3 months, just so that there would be plenty of time for a smooth transfer... The transfer went smoothly, but then I began to worry about the run-around I might receive (and that I'd read about) if there was any issue with our escrow account, payment application, etc.

73 year old widow who could not make payments after husband died. I asked for a modification, their answer was twice the mortgage until I was caught up. Then I went for a short sale. 8 times I sent in paperwork they asked for and 7 times they said it was wrong. Last time they said I didn't sign paperwork (which I did). Redid all paperwork and sent in. They said those papers were wrong. (They were the ones they had previously approved.) Foreclosed on my house. I had to move and no 10k relocation fee. This company is AWFUL and they don't care.

Haven’t been late on a payment in more than two years and I received a letter from them stating that I’m somehow $10,000 short in my escrow which will increase my monthly payment by more than $400 per month next year. If you get an offer from this company, run and don’t look back.

My home was foreclosure in 2020. I was discriminated against because of my metal illness And low Income. SPS became my mortgage company in 2009. The first month of them becoming my leader I was told they didn't get the payment. After I remain making payment. But then the interest rates kept going up higher and higher. I was never able to catch up with the interest rates. I continue to make payments until in 2019 SPS sent August payment$ 1,130 back and a letter saying that they wanted me to start paying $2,400 for 6months and after the 6months they will make a decision to bring the payment down. I didn't know what to do. 2 months I was put out. I ended up in WardB. After I was homeless. I couldn't find a place to stay because the people that SPS sold house to put a eviction notice on my name.

I reviewed all of your view I am also trapped same situations they were asking 6000 for my home tax which I pay by myself direct to king county Washington by their web. Then these stupid untrained inexperienced employees asking me last year. Over mortgage was not paid I checked my bank money was paid, when. Call them again they charged the recording stating 1745 last year December now u have all their concern recorded, first of all why Chase without our consent sold two these evil, But one think I could never understood I am still sending my mortgage into chase account in New York.. I think we all should get together and sue them fraudulently taking our money. Few year back they intimidate me that my house will go for foreclosure or pay 11000.00. I paid. I was included my home tax and some other unknown charges I paid, assumed my mistake, miss the payment, was totally confused

I bought a house 3 yrs ago and before I made my first payment my account was sent to Select Portfolio to be serviced. I had a high interest rate so I had reservations that I would be able to make the payment. I asked SPS if they had any programs to help me and I was told no. I lost my job due to covid and the only job I could find paid $4 on the hour less. This caused me to fall further behind. Sps finally told me about a loan modification and stated if approved I would have a lower interest rate and payment.

I recently purchased a duplex in Barrington Illinois. When the original closing was done all paper work was filed correctly to pay for two PIN numbers and the proper amount was being withdrawn from my monthly payments to fund the tax escrow. Months later the county sent me a notice that one of my tax bills were not paid and was over due. At this point I called several supervisors from SPS and sent all the required tax bills to them to get this problem corrected. I talked to 15 different supervisors that all promised the same thing and none of them ever called back over the course of five months. When the second installment of the tax bill was also not paid I turned to the local county board tax collector and shared my story with her.

When I first started having to use this company I noticed that I was still paying for my home insurance directly to USAA and on the escrow account to these people. I first tried getting them to pay USAA and that failed so I have been trying to get these people to close the escrow account since they are just collecting money and not paying the bills with it. I have had to fill out their form multiple times and the only thing the people who answer the phone can do is say to call back or wait for someone to call you. This company should not be in business!!!

I've been with SPS for a few years now. Honestly I felt their website and customer service was ok. Since Covid 19 my business has suffered. Being a realtor and tax preparer Covid made it tough to make any money last year. Recently I had a pipe burst at my house... Even though insurance would have only fixed the break not all the other issues that arose from it. I reached out to SPS to possibly get my past due pushed to the end just until January. I filled out the application on 8/9/22. NO ONE EVER TALKS TO YOU... It's a cookie cutter process and very redundant. They literally led me along asking me for the same documents 20 times...even though they say the items uploaded go directly to your account.

I purchased a commercial property under a LLC in January and it was not reported on my credit report. Then Select Portfolio Servicing began servicing the loan and started reporting it under my personal credit report. I have filed disputes with the credit reporting agencies and tried to contact them. They will not respond to me and insist to credit bureaus that it is a personal loan. I have given documentation of the ownership and the mortgage. I also have reported to the CFPB as well. I believe the next issue will be that they report inaccurate payment information.

I called them multiple times to request escrow analysis. After 2 months, somebody finally decided to talk. Very rude people. Very ignorant management. Select Portfolio Servicing is the worst company I have ever dealt with. AVOID, AVOID, AVOID...

I have reached out to SPS many time about my mortgage statement-1st I never received it by mail until 2 days before due-mail date postmark 25 and I am in California-set up for e-mail for payment due by the 15th. Today is the 21st. Has yet to be posted. I was a Chase customer. This company is the WORST lenders I have ever dealt with in the last 40years!

I wrote multiple letters to request an extension of my loan due to financial hardship. The response was to take advantage of the misfortune and SPS proposed a Ballon payment which of course was very beneficial for the bank but not for us. Considering to file a lawsuit against this unscrupulous company.

January 19, 2022. I made an additional payment on my mortgage and indicated where I wanted it applied. It wasn’t applied correctly so I called Jan 26, talked to Gabriella and was told it would be corrected in 3-5 days. It wasn’t done. March 30 called and spoke to Phil and he said he would escalate to his supervisor and I would receive a call within 3 days. No call. April 5 talked to David at ext **, he escalated to a supervisor. Again nothing done. Called May 2, 2022 and talked to Supervisor Jamie at ext **. She said “cashier tasks” are backed up since Covid. They are currently working on November 2021 items!?! She mentioned high priority items are being addressed first. Mine doesn’t fit that bill. She said they were recently told it is taking 5 MONTHS to complete tasks!?! She said my case was open in the end of January and it should be completed by the end of May but she could not guarantee that to be the case.

Worst company ever....Take multiple payments, misplace amounts of payment, didn't pay my yearly insurance, etc...World's worst company....Avoid if possible. I can't because the mortgage company only uses these idiots.

My mortgage was sold to another bank and they use SPS to manage the account. From the get go it's been a headache. First two months of payments were misdirected and not applied to mortgage (luckily bank has a 90 day adjustment period) after numerous calls and run around it was fixed. Then three months later I get a letter saying home is in a flood zone and I need flood insurance. I'm not in a flood zone, and wasn't when the previous bank had loan. SPS insists I am, claim FEMA called them and told them I am. FEMA doesn't know I exist nor that I have a mortgage nor does FEMA call mortgage companies, total lie. I went on FEMA's flood zone website and it clearly shows zone X, I printed map and uploaded it to SPS, not good enough, they purchased flood insurance and billed me 2600.

A year ago our home burnt down and was a total loss. Our mortgage had insurance coverage for the amount of principal we owed at the time $69000. After the insurance adjuster inspected the damage our home was declared a total loss. The insurance company issued a check for 69000. SPS has full control of disbursing these funds to us at their discretion. This has been a complete nightmare. The first check was issued without incident and our obligation was only to sign an affidavit being responsible to restore our property to original value or better.

They have been the biggest paper wasting & non helpful mortgage company & I have had 4 other mortgage companies, Never spoke w/ same person ever, Never documented my calls. I retold entire story every other week. They just want payment! They definitely does not look out for the customer! I did packets to refi since 2011 & Moved out when I stopped paying in 2017. This destroyed my marriage! A gov based business Clarifi helped my husband who is living at home in 2018 and all the same info went thru, Couldn't afford refi. They won't foreclose. They will not do deed in lieu. No short sale. I have tried everything. They Suck!

I contacted the company several times to see what needed to be done to take it out of foreclosure. I was told I was listed as the primary loanee, Some were helpful, others were rude and raised their voice to me when I state it was interesting that there were no apparent attempts to contact me until after foreclosure was already in process.

This is the worst company that that I've ever come across in terms of customer service. I have been trying to get a loan modification for seven months and I have spoken to no fewer than eighteen service reps. Each new person I speak to is absolutely clueless about the status of my loan and my modification request. There is something truly irregular going on inside the walls of Select Portfolio Servicing that should be investigated by Utah's Consumer Protection Division. Bottom Line: Stay far away from this company.

SPS bought my loan from Chase and I've had nothing but problems ever since. I live in Baltimore and there is a property leasing practice called "Ground Rent" I own the dwelling but rent the land it's built on. Every mortgage company who has had my loan paid my ground rent out of my escrow all except SPS. The first year I was able to get them to pay it, I sent previous mortgage escrow statements from Chase showing it was paid and stated to them this is paid every 6 months. So I was under the impression they paid it the following year that's until I get a collections letter from a lawyers office that my ground rent is in collections, thanks SPS.

RUN and AVOID to do any business with SELECT PORTFOLIO SERVICING! I'm writing this review with the goal to help anyone who is in the consideration stage to choose a good or at least a decent Mortgage Servicer, so they can choose wisely and consider this advice to avoid every kind of inconveniences in the future. Unfortunately, I didn't have the chance to pick my Mortgage Servicer because my mortgage was sold to SELECT PORTFOLIO SERVICING without my consent, (I'm aware it wasn't needed anyway because it is completely legal) making me live the worst moments in my life dealing with any company.

The customer service representatives are either poorly trained and/or perhaps skillfully trained in being deceitful with customers. I hate that Chase sold my mortgage to this company, I would of thought that they would have vetted this smoke & mirrors operation. Remember there is "guilt by association" and SPS is ruining the reputation of Chase. I have had to call several times over a two month period in an attempt to obtain a refund that I am entitled to from my escrow account and I am still waiting. The customer service representative(s) all appear to be reading from a drafted script and they are not very good actors at this point. If you have options, opt out of doing business with SPS, they cannot be trusted to do as they indicate nor does it appear they are ethical in their practices.

My loan was sold to Select Portfolio Servicing effective January 1, 2022. They still deducted a FULL mortgage payment even after the loan was sold! So I'm out two mortgage payments (since the new lender took the full January payment as well!). I called and spoke with someone and she seemed befuddled at my concern. They took a payment when they had already sold the loan! She proceeded to ask me how I wanted this resolved....REALLY? Uh, refund the money you illegally took from my bank account!!?? She proceeded to tell me I had to send an email about my concern and the email would be sent to the appropriate dept for handling.

Omg I can see I'm not the only one who has been disgusted with this company. They are the budget lowest level of service I have ever seen. Yes my loan got sold to these guys by Chase. It's appalling. I wish I could refi to get out and away from them. How this company is around is beyond me. Inept unknowledgeable agents. Ridiculous policies. They made me do a loan mod and go thru ridiculous hoops for nothing. They talk sideways out of their mouths. They are hiding something over there.

Our mortgage, after years of having Chase service our loan is now being handled by this company. Other than their website being difficult to navigate I never heard of them. After at least a year now they have decided to charge a $5 FEE for paying our payment on-line! It doesn't matter that it's a debit right from your checking to THEIRS. Could see it if they were being charged debit/credit card fees. Funny that they have all over "Covid-WE want to help..." We have ALL been affected by Covid. Whether it's sky high prices at the pumps or food shortages due to transports/lack of people. At a time where physically putting checks in the mail is frowned upon by most, you would think it would be the other way around for SERVICE FEES! SPS must not be having employee shortages due to quarantines or illness. Definitely an ODD time for imposing new fees on people for using contactless payments.

Stay away from these incompetent liars, do anything you can to avoid these people, seriously, not joking!!! October 2021 I made a payment on my mortgage, SPS, misapplied my payment to the loan principal. I immediately called and asked them to rectify the issue. The rep told me it was no problem, 2 weeks later I called back. It still hadn't happened, the excuses, misdirection, and the lies begin. I called back a month later, still hadn't happened and I was told it be be done by Thursday. Of course more lies. Thursday came and went. Called back again and was told my issue had been elevated to management. Called back the next week, still hadn't happened.

Would not provide me with loan documents and did not offer any assistance during Covid. Filed complaint with housing authority, HUD and had a pro Bono lawyer. Set an auction date and wasn’t late in payments. US Bank hired a lawyer to take my house. Also said it wasn’t worth it for them to help me. Did not provide loan note or truth of lending. Made constant changes to my account online and also blocked me to access my account. Filed complaints all the way to Washington DC.

BEWARE! Halloween is over....But this company plays tricks all year long. Seems to be a pattern here with the other reviews and complaints about SPS misleading consumers into believing SPS is going to help their consumers with loan modifications and refinance. This is the most absolute furthest from the truth. They are not helping!

I went into the forbearance plan because of Covid 19. Missed 12 payment only to be told I have 30 days to pay back the balloon payment or second option foreclosure!!! Just like that! They are not willing to help in any way! As I read the reviews others have been told the same Iike I was told I had options at the end of the forbearance!!! Hello where’s my help! You identify your company as "We are here to help". **! But I’m not giving up!

When a company sells your account to another you should be notified, so you can plan another route. This company is for the birds... They are always saying, "I'm sorry for the inconvenience," but they are not.

I am being penalized for SPS system Default in May 2021. Not my fault, was not notified. Was told different things on 4 different calls. I refuse to be penalized for the company mess up which they admit.