Consumer complaint received 2015-06-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I previously complained about my mortgage company taking a couple of years to decide on a modification for my mortgage. ( I never asked for a modification). I had asked for a payment plan to get current on my mortgage. They told me that the payment plan was approved(it was recorded). They then told me a couple of months later after waiting for payment plan details, that they were considering me for a modification that I didn't want. I already had a modification. They said I had to go through with the modification process anyway, and I could not make any payments on the mortgage unless I paid the entire amount due. If I could pay the entire amount due, I wouldn't have asked for a payment plan. After the modification was denied the balance due was huge. This is all documented in my last complaint. I did hear from the mortgage company, and they did nothing for me which was what I expected. I have since made a payment to them in the amount of $XXXX. This has brought my mortgage current according to Select Portfolio Servicing. After making about XXXX mortgage payments, I received a letter that told me my escrow is short by $XXXX and they were putting my mortgage payment up by $XXXX monthly. They gave me less than a month to come up with this amount of money. Of course that didn't happen so now I must pay $XXXX more a month on my payment. I have asked them more than once to show me where my almost $XXXX payment was applied and I still don't know. They sent me a payment history that did not show the entire amount being applied. I also do not understand how they can tell me the amount I owe to bring the mortgage current and then tell me I'm $XXXX short on my escrow. I believed that the large payment would also bring the escrow current since the escrow is part of my payment. This company keeps XXXX me over time after time. I do not have a lot of money, but I'm not giving them my house, which is what they want. I think they should not be able to advertise that they have products to help people who are having problems making their mortgage payments. They have done nothing to help me. They have lied to me more than once. When I call them to ask for help to understand my bill, the customer service people can't even explain where my payment went. I just got off the phone with them, XX/XX/2015-XXXX(has been recorded)The person I spoke with had no idea how to help me. She is sending me info in the mail to show me where my money went. Since I have asked for this before and didn't get what I needed, I'm not expecting to get this resolved. I work very hard for my money, and I don't throw it away. I know I'm just one of many people they deal with, but I should matter.
I would like to go back and pay the previous mortgage payment of $XXXX. They told me that is what my payment would be after I made a $XXXX payment. If my escrow was going to be short and my payment $XXXX more a month, they should have known this at the time that they told me what to pay to bring this current. They shouldn't be able to expect me to pay $XXXX in one month. The extra $XXXX I'm now paying is causing me a lot of stress, and health issues. I will probably have to get a part time job. They care nothing about the customer. Thank you.

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