Consumer complaint received 2021-07-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I filed a complaint against Select Portfolio Servicing , Inc ( SPS ) my mortgage service company because they erroneously threw my mortgage in forbearance with a deferment on my account without my knowledge or consent. I tried from XX/XX/XXXX to XX/XX/XXXX to get them to remove the forbearance and deferment from my account which they outright refused and denied my request in XX/XX/XXXX and again in XX/XX/XXXX. After I filed a CFPB complaint, SPS denied any wrong doing but finally removed the deferment from my account. It must be noted that I submitted proof through XXXX statements that regardless of their error, I made all mortgage payments XXXX interest, principal and escrow ) in full and on time. There was NO deferred interest or deferred principal and anything stating otherwise was an error and SPS 's doing and their doing alone! 

On XX/XX/XXXX as retaliation, SPS sent the IRS a new XXXX showing incorrect interest, principal and escow that I paid throughout XXXX. The new XXXX detailed {$5600.00} less in reported interest payments, {$2700.00} less in reported payments towards the principal and {$2700.00} less in reported escrow payments for a total of {$11000.00} of un-reported payments altogether. 

On XX/XX/XXXX I contacted SPS in writing that the new XXXX information sent to the IRS was incorrect. In that written letter, I provided to SPS a break down of all my XXXX payments. SPS acknowledged the letter but took longer than the required 30 days to respond. They took over 60 days to respond with nothing other than they were refusing to provide the correct XXXX. In their response letter they never provided any information as to why they sent the incorrect information to the IRS. In their response they again continued to promote the lie that I requested a forbearance/deferment and included a letter they sent to me stating I had a phone conversation with them and requested help due to a Covid-19 hardship. As stated before this never happened. I never called SPS about Covid assistance, I never requested help and I never showed any sign of difficulty paying my mortgage in full. When asked for proof of this supposed phone conversation, anything in writing I submitted or rules used to put me in this program SPS refused to provide any such proof. Hence, it was already proven in the prior complaint that I did nothing of the sort. They never addressed why they sent me that letter in XX/XX/XXXX claiming I called and requested a deferment ( which I did NOT ), they never addressed my call on approximately XX/XX/XXXX stating a deferment was erroneously put on my account without my knowledge, request or permission and that I wanted it removed. They never addressed the denial to remove the deferment between XX/XX/XXXX and XX/XX/XXXX or that their representative sent the reversal request to the wrong department. They would never provide any evidence of the requested deferment. Now they are retaliating and trying to get me in trouble with the IRS. Note : In XXXX I made all payments in full and on time, my loan was not modified and I paid all the interest, principal and escrow as stated in the 12 monthly statements, the final XX/XX/XXXX statement and the original XXXX form that was sent to the IRS in XX/XX/XXXX. It wasn't until I filed the CFPB complaint at the end of XXXX that everything mysteriously changed. My interest payments were suddenly under reported and 3 days after I filed the complaint a new XXXX was sent to the IRS in XX/XX/XXXX.

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