Consumer complaint received 2018-09-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am for the third time asking for assistance in ending the harassment of still another mortgage agency. 
This same mortgage company is currently being forced through settlement, to correct other actions against its customers. 
I was pushed and my account brought by Select Portfolio Servicing , Inc. as a third or maybe even a fourth company that, instead of the previous mortgage company correcting the errors, forced my account into another of the circle of loan sharks. 
Time line : I was previously forced to pay over {$1900.00} by XX/XX/XXXX to XXXX and they were supposed to mark my account current. I requested help from CFPB then. 
Instead of marking my account current they sold my account to Select Portfolio Servicing , Inc. ( after receiving the forced payment of over {$1900.00} sent to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX as requested on the letter ) I paid another {$1000.00} in XX/XX/XXXX and XX/XX/XXXX ( I continuously paid monthly over the {$930.00} amount required ). 
I received the transfer letter that my account would be transferred with the first payment to be made in XX/XX/XXXX. 
Although I spoke with the new company ( Select Portfolio Servicing , Inc. ), and they reassured me that the same harassment would not happen again. THEY DID THE SAME THING. 
I was transferred in XX/XX/XXXX and already paid XXXX the {$1900.00} to become current per their letter. The account was, instead of marked current, sold to Select Portfolio Servicing , Inc. after my last payment in XX/XX/XXXX of {$1000.00} and with an unapplied amount of {$290.00} still left in my XXXX account. 
As of XX/XX/XXXX, after receiving the transfer letter, I paid Select Portfolio Servicing , Inc. {$640.00} as requested because the representative combined the {$290.00} from XXXX in my unapplied funds account to make a complete first payment of {$930.00}. 
I have made every payment on every month since that time so HOW IS IT THAT SELECT PORTFOLIO SERVICING, INC. PLACED MY ACCOUNT LATE/DELINQUENT TWO PAYMENTS AND CHARGING MY ACCOUNT CONTINUOUS LATE FEES TOTALING {$950.00} I WAS CHARGED A LATE FEE OF {$390.00} ON THE DATE I MADE THE FIRST PAYMENT. 
I made a payment in full every month since being pushed into this company. 
I just recently received a letter letting me know about a settlement which was reached against Select Portfolio Servicing , Inc. XXXX : XXXX, and that I, as others, were entitled to a workshop to meet with representatives at a very far location, ( XXXX XXXX , NJ ). It is a one day event to talk about loan assistance options. 
I dont need assistance with forced errors or a new loan ; I just want them to correct these errors so I can continue to pay this loan off or either forgiveness of the whole loan in its entirety. 
This is the THIRD attempt to receive help from CFPB. 
Awaiting your reply, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Select Portfolio Servicing , Inc. account # XXXX XXXX account # XXXX XX/XX/XXXX

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