Consumer complaint received 2019-06-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have discussed several accounting discrepancies with SPS but SPS has refused to make corrections to my account. SPS statements they mailed to me indicates that I owe XXXX XXXX dollars ( XXXX ) for property taxes, which is not true but they refused to tell me how they derived at that number. There are also charges that show XXXX charges for inspections with no details as to why, especially since I was not in foreclosure. I sent SPS a payment history to show that the billing was incorrect however they refused to stop the Auction of my home scheduled for XX/XX/2019. I filed a Notice of Error on XX/XX/2019 they have ignored the notice, even though they have opened an inquiry for research. They indicated they did not have to stop it because of the RESPA regulations did not apply to Dual Tracking for this incident. The notice of error stated numerous accounting errors by SPS, over charges and other erroneous charges from companies that I do not know that are on the SPS statement of charges sent out by the previous servicer and SPS. 

I also was charged for numerous inspections charges for my home when my home was not in foreclosure. I was charged BPO charges and legal fees when my account was in a current status. I am not sure of what the charges are that are on my account and why, but I asked that SPS give  an accounting to why they continued to charge those incorrect amounts to my mortgage account when I have indicated they were incorrect many times. They are currently ignoring my request. I requested that SPS review my account and make corrections to my interest and my principle, they have refused to this date to do that. 
SPS on XX/XX/XXXX received a QWR they have refused to respond to my request, they indicated they will respond to it after my home is auctioned off which does not make a lot of sense to me. SPS has given erroneous information about the status of my account, I was told by several managers especially one that opened the research to verify the accounting errors on my account that the auction of my home would be postponed until that happened. Of course that was lies. I have requested several call backs from supervisor in the department of the Ombudsman and litigations no one will return the call. I requested that other executives in SPS ( any department ) return the call and address my inquiries and there has been no response, no call back and no evidence that they are willing to allow a workout plan. This has been blatant bullying and harassment from SPS with refusal to discuss with me the status of my account. 

The interest on my account is incorrect because of the erroneous charges therefore the principle is incorrect I have as for a pay-off and settlement which they withdrew which was a breach of the prior agreement in place. I have charges on my account for forced place insurance that need to be corrected and adjusted on my account.

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