Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

I've been getting the run around with Mortgage Companies - I would of not been so worried about this issue except for the fact that I lost a house to a ILLEGAL foreclosure in which XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX   XXXX previously took my property by manipulating documents, making false allegations to the Health Dept, Police Dept, Zoning Dept to gain illegal access to my home where it was trashed, items stolen, I was locked out of my attic by deadbolt ( Zoning says they don't do that ), my refrigerator was unplugged and my water line cut during this bogus scheme to force me out of my residence so XXXX, XXXX XXXX XXXX could buy my property at a super deal. This was all proven via INDEPENDENT MORTGAGE REVIEW which ruled in my favor years later after this Urban Development resource ( IMR ) gave judgement to me and ordered XXXX to pay my losses by XX/XX/XXXX ( which I received by XXXX a sum of {$8.00} as " settlement '' for the illegal foreclosure where I lost over {$170000.00} with only owed {$77000.00} balance over {$14000.00} XXXX XXXX XXXX? XXXX XXXX-stated they would be paying ( but didn't ) XXXX  XXXX XXXX ( XXXX  ) originally had this loan of my residence A DUPLEX - which was ALWAYS A DUPLEX and BOUGHT as a DUPLEX and FINANCED as a DUPLEX - BECAUSE IT WAS A DUPLEX. First during court proceeding to foreclose my XXXX, WI residence ( where I was illegally evicted from my own home ) as the XXXX XXXX, WI property had flooding as did the entire neighborhood by XXXX. In XXXX, wi the day of the foreclosing proceeding I was approached by a process server and summons to court for now my XXXX XXXX, Wi property at the same time- This summons was for a BOGUS claim that I owed the CITY {$8800.00} because I failed to answer orders to paint my house ( or some BS ) - which was DISMISSED by the JUDGE as I could prove the conspiracy ( and IMR agreed as well ) Then XXXX  attempted to foreclosure my XXXX XXXX home WHEN I WAS 3 PAYMENTS AHEAD! - That all went through the office of XXXX XXXX - As I wrote XXXX  and sent them PROOF I was payments AHEAD and not behind.Then my account was sent to XXXX XXXX for 'Collection'- I sent the $ $ $ $ payment to stop foreclosure- but XXXX, '' accidentally XXXX my money some GUYS account in TEXAS ( I'm in WI ). And did not acknowledge that payment to stop foreclosure on MY house which the money was intended for - so I mailed another $ $ $ $ - to stop the foreclosure - FINALLY XXXX  acknowledged the 2nd payment and stopped the foreclosure. But, when the first payment sent to another person was finally found- NOBODY would return to the first payment to me ( even that the second check covered the lack of the first payment- and the intention was not to have BOTH payments to stop a BOGUS foreclosure while I was 3 mortgage payments AHEAD and never behind. Anyway, from my understanding the Feds shut down XXXX XXXX XXXX when they failed to pay my PROPERTY TAXES prior to the end of the year, The money was held in " ESCROW- for that misdirected money '' The mortgage contact specifies I was to be sent the escrow money to pay my property taxes prior to the end of the year ( I report the loss on my taxs! ) - I was assigned a better company to handle my account when XXXX was shut down- However, just before the end of this year ( XX/XX/XXXX XXXX I got a letter that now a company called XXXX   XXXX XXXX XXXX XXXX out of UTAH was taking over my account. I received my property taxes this year after a huge fight with XXXX XXXX about them changing my DUPLEX into a XXXX family in XXXX ( so they could force themselves into my house at anytime under the purpose of FIRE INSPECTION of a XXXX family and charge me {$15.00}. a year for that inspection. Last year a Fire Inspector was inspecting the church across the street and advised me he had to inspect my XXXX FAMILY for the first time EVER - I chuckled and proved I had a DUPLEX ( He said not to worry and he would take care of it and have it changed ) - My house was targeted to be " inspected as a XXXX family '' - I remember the reason I went to City Hall in XXXX it was because I wasn't receiving my due LOTTO CREDIT and had not ( unknown to me ) in all the years prior to me going there in XXXX. A younger man in a suit insisted they didn't owe me past XXXX credits- because my taxes were going to a POST OFFICE BOX. I was outraged and since my mail would be taken sometimes at my house I had a mail drop address of XXXX ( so my one address was XXXX and then the second address of my duplex was along the XXXX XXXX. ( corner property ) This young guy must of BACK DATED my building and falsely represent it. Which I found out only when I went to the FIRE DEPT when this year I got another notice where they attempted force themselves in my duplex under the " false pretense of FIRE INSPECTION '' - A man at the fire house ( with a XXXX in a XXXX  ) and a XXXX man fireman assisted me in finding what was going on with this bogus intrusion. He attempted to enter XXXX address at my house XXXX nothing came up XXXX - then entered the other address of my duplex ( nothing came up XXXX - then he enter the mail drop in the door and that came up as the address - and that mail box door drop ONLY. Then he looked up the CITY ORDER which falsely had an altered document that my building was always a XXXX FAMILY dated XXXXThe fire department took me off the list at that time. I went to the City Hall and had to make TWO change of address - I took off the mail drop box ( its just a slit in a door- not another apartment ) to satisfy the city - Then I received my taxes - They put back the FIRE INSPECTION FEE and added another from last year!

OBVIOUSLY, I need that fraudulent paper looked into. It was made by a OLD person ( most likely dead by now ) not the young guy in a suit in XXXX that argued about giving me my lotto credit.

Anyway, back to SPS- they had taken over my loan which CLEARLY stated that my taxes held in a separate account HAD TO BE SENT TO ME BEFORE THE END OF THE YEAR SO I COULD PAY MY TAXES BY THE END OF THE YEAR. I called SPS several times to make sure they were aware of this. The it was a week prior to the end of the year and I asked for a SUPERVISOR - he shouldn't EXACTLY like the supervisor from the closed down XXXX XXXX   but, with a different name. He was arrogant, a bully and told me I was a new " client '' and didn't know THEIR rules. ( the law required transfer of mortgage to NOT change any terms of my mortgage ) But, he didn't budge and I had to pay $ $ $ $ for my taxes prior to the end of the year and wait for this Arrogant company to reimburse me because they were negligent in paying my property taxes in a timely manner? I called again - saying I paid my taxes so GIVE ME MY MONEY IN ESCROW NOW! and sent proof of payment via the XXXX # in wisconsin XXXX XXXX in Utah says I couldn't file with them unless i lived in UTAH XXXX The XXXX sent the notice to SPS to return my escrow - but, they didn't they sent me a " DEAR XXXX '' letter instead- mentioning my hardship ( they caused! ) NO CHECK of the escrow they held and they certainly didn't pay my taxes ( I paid two checks one for {$30.00}. to dispute the bogus Fire Inspection fee billed last year and this year ) I never had or had to have. I wrote the XXXX again appalled by the letter without a CHECK ( but I was not acknowledged. Today I received a letter XXXX NO CHECK ) from SPS again. I can't believe these mortgage companies, banks and deliberate fraud in by altering Buildings to obtain my property ( again ) can be tolerated. Being that this XXXX change to my property now is around the same time my house was illegally foreclosed in XXXX scandal