Consumer complaint received 2023-05-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : Continued issues after filing complaint with the CFPB complaint # XXXX XXXX XXXX. 
After filing a complaint with the CFPB on XX/XX/XXXX, ( see above numbered document ) ; I am now being forced to pay an additional and double escrow amount on an error of payment by Select Portfolio Servicing , Inc. to the XXXX XXXX XXXXXXXX XXXX XXXX department. I have sent documents of said payment by me for this property tax, listed on the XXXX XXXX XXXXXXXX files and paid by myself for that year ; but Select Portfolio Servicing , Inc. made a duplicate payment. Select Portfolio Serving Inc. then told me to intervene and get there payment back!!! XXXX XXXX XXXX XXXXXXXX received and sent a copy of their duplicate payment but will not refund their payment without Select Portfolio Servicing, Inc. sending them required documents. XXXX XXXX XXXX XXXXXXXX was also confused as to why I was requesting anything for Select Portfolio Servicing , Inc . In response to this Select Portfolio Servicing, Inc. penalized me and through a letter, forced me to pay an added escrow amount to repay them for the loss of monies they paid to the XXXX XXXX XXXXXXXX. 
Now on XX/XX/XXXX, I received another letter that Select Portfolio Servicing , Inc . is increasing the amount to pay into the escrow. Why??? 
I have always paid my property taxes and home owners insurance, and even had to send Select Portfolio Servicing , Inc. a letter to formally tell the company this and have the letter documented. 
The letter sent to me on XX/XX/XXXX reads as follows : SPS is writing to notify you that we have made an adjustment to the escrow portion of the monthly payment. Previously, the monthly payment as {$940.00}. Effective XX/XX/XXXX, the new monthly payment will be {$950.00}. This change will be reflected on your next monthly billing statement. 
Pursuant to your mortgage account documents, you are required to maintain required property insurance and to ensure your property taxes have been paid. In the event that these items are not resolved. SPS may pay those expenses on your behalf to protect the property. Previously, SPS or the prior server had made these advances on your behalf or there were recent payment expenses paid on your behalf, which require us to adjust the monthly escrow collection amount. As of the effective date of the payment change referenced above, there is an advance balance of $ XXXX in the escrow account. An adjustment is being made to the monthly payment to account for any changes in the escrow balance since the last payment adjustment. The shortage the escrow account will be collected over a period of no less than 12 months. 
When I called to speak to a supervisor she stated that from XXXX there were still monies to be paid for SPS 's duplicate payment made to the XXXX XXXX XXXXXXXX and SPS was increasing the escrow amount to finish paying that off. 
She said she could not request a change in the new amount but if I DIDN'T WANT TO PAY THE NEW AMOUNT I COULD JUST CONTINUE TO PAY THE OLD AMOUNT. 
I stated that if I did that then SPS would not pay my monthly payment sent but keep the lesser amount in unapplied funds till the full payment + new escrow amount was paid and charge me fees. She said they would not. 
I HAVE SENT A HISTORY OF SPS DOING JUST THAT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation