Consumer complaint received 2015-11-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I are in a forbearance plan with Select Portfolio Servicing of XXXX XXXX XXXX XXXX. Payments are due the XXXX of each month in the amount of {$2900.00}. I had a verbal approval XX/XX/XXXX to make the XX/XX/XXXX payment in XXXX parts ; an electronic check for {$1700.00} to be debited on XX/XX/XXXX, and i was to sent a paper check fedex for {$1200.00} on Friday XX/XX/XXXX. I had the funds available. The following Monday, XX/XX/XXXX, i checked my online account and saw that the {$1700.00} had not gone through, so I called SPS and was told that the payment " had been processed ''. On Wednesday, XX/XX/XXXX, the paper check which I had fedexed went through amd was paid, but no sign of the {$1700.00} electronic check. 
I called on Friday, XX/XX/XXXX, and spoke w XXXX XXXX, who told me that the bank had stopped paymen t on the check. ( the electronic one ) i was confused and asked it I had given them the correct account number ending in XXXX, she said it was on the account ending in XXXX. I said " that is my wife 's account '' and i never mentioned the account ending in XXXX. ( plus I am not a signatory on that account ) So on Monday XX/XX/XXXX I go and speak with the branch manager, XXXX Bank in XXXX XXXX XXXX, XXXX XXXX XXXX, she goes online and tells me that the SPS electronic check was never presented for payment to either account for payment, plus the only way the bank stops payme t is if my wife or I go in and fill out a form. 
So XXXX XXXX lied to me for reasons unknown. She also told me that our conversation was being recorded. 
She then tells me that now i have to pay the balance of the forbearance amount, {$6000.00} by XX/XX/XXXX or we will be referred to an attorney foreclosure mill for legal action. 
We got a loan " modification '' in XX/XX/XXXX, And this " forebearance agreement '' in XX/XX/XXXX. The forebearnce agreement followed SPS foreclosure filing, we got an attorney and went through the county court mediation program. 
Attached to the foreclosure documents was an " allonge '', unattached, undated, supposedly assigning the mortgage and/or note from XXXX ( defunct in XX/XX/XXXX ) to XXXX XXXX by XXXX XXXX XXXX ( defunct in XX/XX/XXXX ). The allonge was n't in the certified mortgage copy I bought at the courthouse 5 or 6 years ago. 
This has my wife in a terrible state, and i am XXXX working 6-7 days per week trying to do more work as it is. This XXXX dollars is like XXXX dollars to us. 
SPS CONDUCT SHOULS BE PUNISHED. Our subprime mortgage history is one for the record books and I am getting weary of servicers ' abuses. I went on the MERS website and see that our mortgage is listed as " inactive '' whatever that means. Also, 4-5 years ago when I was looking into a XXXX loan which was recorded and satisfied 5 minutes apart on our instrument summary list at the courthouse, i called XXXX XXXX XXXX XXXX XXXX XXXX, spoke w a woman who sent me XXXX settlement sheets fromOur New Century refinance in XX/XX/XXXX?, they were both marked " paid in full '', they were both for the same amount, {$130000.00}, but XXXX had a " proceeds to borrower '' of {$12000.00} ( that is what we got ), the other was for $ XXXX someone else must have gotten this. 
So we are getting tired of all this. Please let me know what can be done here. 
I really appreciate your attention in this matter. 
Sincerely, XXXX XXXX XXXX

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