Mortgages
Select Portfolio Servicing: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 220
- Closed with money back
- 0%
- 2023 to 2025
- 72 to 63
Servicemembers filed 7.3% of Select Portfolio Servicing's 3,014 complaints in the window, against 2.5% across the directory. The complaints are mostly about mortgage, and the single most common issue is "Struggling to pay mortgage". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count fell from 72 in 2023 to 63 in 2025.
What the complaints are about
By product
| Mortgage | 197 |
| Credit reporting or other personal consumer reports | 13 |
| Debt collection | 8 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
| Debt or credit management | 1 |
By issue
| Struggling to pay mortgage | 90 |
| Trouble during payment process | 86 |
| Incorrect information on your report | 15 |
| Applying for a mortgage or refinancing an existing mortgage | 12 |
| Closing on a mortgage | 5 |
| 2023: 72 | 2024: 85 | 2025: 63 |
Which accounts, specifically
| Conventional home mortgage | 237 |
| FHA mortgage | 30 |
| Credit reporting | 17 |
| Mortgage debt | 15 |
| Other type of mortgage | 12 |
What went wrong, specifically
| Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | 38 |
| Escrow, taxes, or insurance | 33 |
| Foreclosure | 29 |
| Trying to communicate with the company to fix an issue while managing or servicing your loan | 26 |
| Payment process | 24 |
Busiest month: March 2024, with 17 servicemember complaints. Most were submitted by web.
Most complaints came from GA (35), FL (30), TX (19) , then CA, VA, NY.
How Select Portfolio Servicing answered
| Closed with explanation | 220 | 100% |
Select Portfolio Servicing responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes it acted appropriately as authorized by contract or law" (184). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Mortgage; Applying for a mortgage or refinancing an existing mortgage. SC, 2024-08-28. Outcome: Closed with explanation. Complaint 9942252
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Credit reporting or other personal consumer reports; Incorrect information on your report. TX, 2024-08-26. Outcome: Closed with explanation. Complaint 9927858
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Mortgage; Struggling to pay mortgage. NY, 2024-08-23. Outcome: Closed with explanation. Complaint 9890206
If this is your problem at Select Portfolio Servicing
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with mortgages peers
- Rocket Mortgage 228 servicemember complaints; 1% with money back
- United Shore Financial Services 202 servicemember complaints; 1% with money back
- LoanCare 243 servicemember complaints; 0% with money back
- Planet Home Lending 188 servicemember complaints; 0% with money back
- New York Community Bancorp 178 servicemember complaints; 1% with money back
Next in the directory by volume: Corelogic, Southwest Credit Systems, Enova International.
Frequently asked questions
How many complaints did servicemembers file against Select Portfolio Servicing?
220 complaints tagged servicemember were received by the CFPB about SELECT PORTFOLIO SERVICING, INC. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count fell from 72 in 2023 to 63 in 2025.
What do servicemembers complain about most at Select Portfolio Servicing?
Mortgage accounts for 197 of the 220 complaints, and the most common issue is "Struggling to pay mortgage" (90). Next: "Trouble during payment process" (86).
Does Select Portfolio Servicing give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 220 closed with an explanation only. Select Portfolio Servicing answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.