Consumer complaint received 2019-07-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I would like to file a complaint against Select Portfolio Servicing Inc. for violating the Fair Debt Collection Practices Act on XX/XX/2019 @ XXXXXXXX XXXX 

XX/XX/2019 My mortgage loan was transferred from XXXX to Select Portfolio Servicing Inc. 

XX/XX/2019 @ XXXX XXXX I received a phone call from SPS ( XXXX XXXX ) letting me know that they haven't received my XXXX payment yet. I told her I already mailed it in & she said I hope they get it in time because I have a 15 day grace period & after that I would be charged a late fee. I'm well aware of this information because I was with XXXX for 15 years. She then told me about SPS monthly withdraws & online payments. 

XX/XX/2019 Called SPS and spoke to XXXX XXXX about my XXXX payment and she told me there's a transition period for loan transfers and it could take 30 days for the payment to post and in the meantime I will not be charged any late fees. 

XX/XX/2019 SPS started calling and texting me relentless asking when I was going to make my XXXX payment. Again I told them I already mailed it in. Each time they called they tried to pressure me into making monthly withdraws from my account or to make an online payment. 

XX/XX/2019 SPS called and we got disconnected so I called back and while I was speaking to a representative I received a text about my payment being due. Again I told SPS that I already mailed in my payment. Her response was " I'm at the mercy of the post office '' if I mail in my payments. She therefore told me about the monthly withdraws or online payments. I told her that I do not want to do either one of those options because I was with XXXX for 15 years and they received all my payments. I told her I was tired of all these calls and texts about pressuring me to make a payment online when I already sent in my payment. She said she would take me off the calling list and text updates. Later that afternoon I called SPS to speak to someone in the Payment Remittance Department to see if they received my XXXX payment yet. I was transferred to supervisor XXXX XXXX and he told me that the " Cashiering Department '' doesn't take calls. I told him I just sent my XX/XX/2019 payment certified mail and I will prove that I'm sending my payments. After that all he could say was is there anything else I would help you with. 

XX/XX/2019 @ XXXXXXXX XXXX  SPS ( XXXX XXXX ) called my home number ( I did not give SPS permission to use my home number for updates ) and asked me when I was going to pay my payment. I told him he wasn't suppose to be calling me. I told him that my payment was delivered to SPS on XXXX @ XXXX XXXX and cleared the bank on XXXX. 

XX/XX/2019 @ XXXX XXXX I called SPS to file a complaint about the employee who violated a federal law ( FDCPA ) and I was transferred to Supervisor Ms. XXXX told her what happened and all she could say was " I'm sorry ''. 

XX/XX/2019 Called SPS to find out when my mortgage loan will show up on my credit report. I was told XXXX or XXXX. The next day I checked my credit report and it was on there. After this ordeal with SPS I wanted to make sure they didn't put anything negative on there. I was then transferred to Supervisor XXXX XXXX and asked her why I was receiving so may calls and texts and her response was they were " courtesy calls ''. Courtesy calls do not pressure you into setting up monthly withdraws from your bank account or to make an online payment which SPS charges you {$15.00} per transaction. 

I'm not going to be pressured by there shady and untrustworthy tactics so I've decided to send my mortgage payments certified mail which costs me {$3.00} and now I know the day and time SPS receives my payments. If SPS violates anymore laws I will report them right away.

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