Consumer complaint received 2022-11-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint with Consumer Financial Protection Bureau originally for help with Select Portfolio Servicing because they failed to file the Quick Claim XXXX XXXX paperwork I sent in twice and stopped taking payments on my mortgage causing it to go into foreclosure. When they received the complaint from Consumer Financial Protection Bureau they acknowledged the fault was on their part and agreed to let me make a payment in the amount of {$5400.00} to pay XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX mortgage to bring it current to stop the Foreclosure on the response letter from Select Portfolio Servicing dated XX/XX/2022 in response to the complaint filed to Consumer Financial Protection Bureau. 

I sent a Bank Wire transfer from XXXX XXXX XXXX XXXX on XX/XX/2022 in the amount of {$5200.00} as requested in the letter dated XX/XX/2022 in response to my Consumer Financial Protection Bureau complaint to cover XXXX through XXXX payments. However when Select Portfolio posted the payment to my account on XX/XX/2022 the payment is only showing a payment of {$4000.00} was made, not the {$5200.00} that was actually made. The difference of {$1100.00} is not reported as being paid to my account. It is not showing XXXX and XXXX payments as being made and showing the account is still behind two months. The remaining account balance I paid needs to be applied to my account showing XXXX and XXXX has been made and is current. I paid the amount requested to be paid by Select Portfolio Servicing to bring the account current on the account through XX/XX/2022 and that needs to be reflected on my account immediately. They accepted the payment from XXXX XXXX XXXX XXXX wire transfer in the amount of {$5400.00} that they requested to bring the account current through XX/XX/2022, now they need to correct their records to reflect that it has been paid and received as such. They also made a new statement on XX/XX/2022 adding additional fees to the account before I made the payment on the XX/XX/2022 in which they requested, before the expiration date they had on the response letter to Consumer Financial Protection Bureau. Another example of the companys repeated illegal behavior. As I have sent you several statements showing how they continued to send letters with amounts due yet continue to add additional fees and change the date and amounts due before the date of the letter sent. 

XXXX divided by XXXX = {$580.00} per month for 12 months ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) They still have not unblocked my account online for me to make payments on their website nor have they fixed the mistake they made and accepted the Quick Claim Covid Relief paperwork. That paperwork needs to be completed on their end and handled properly, not just an acknowledgment that they screwed up! 

Their illegal financial practices need to be stopped. Them trying to add additional fees and charges to customers accounts and forcing homes into foreclosure is illegal and they need to be made to sell their accounts to a reputable Mortgage lender and force to close their business. They continue to do this to every customer they have without remorse or concern for the customer, law or the economy.

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