Consumer complaint received 2015-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I filed a Chapter XXXX Bankruptcy in XXXX. It was confirmed in XXXX of XXXX. My Mortgage with XXXX was included in the bankruptcy. They were allowed payments under the plan in the amount of {$830.00}. I began making payments in XXXX XXXX. After making payments for about XXXX years, which were always paid and reported as on time, I was informed that SPS would be the servicer on the account and that I would be making payments to them. I promptly began paying SPS in XXXX of XXXX. I was under the impression that everything was going perfectly with my reorganization and to my knowledge I had perfect credit given the fact I had always made ontime payments and in fact had paid payments of principle and interest ahead. I have kept everything on time with my bankruptcy never making any late payments to any of my creditors. I am now in the process of trying to get another loan. When my credit was pulled, we found that SPS is reporting fluctuating, with no apparent pattern, consistent late pay of XXXX and XXXX days. I promptly disputed with all XXXX credit reporting agencies. I was informed that SPS had confirmed that it was being reported correctly and my only option at this point was to contact them. I called SPS. They told me that in fact they could not see any missed payments and they did not have an answer. They told me they did not have a " full '' accounting and would have to " order '' the payment history from the prior servicer.Nothing makes sense, yet they insist they are reporting correctly. This has ruined my credit and I have been denied the loan solely because of this misreporting. I was told that the quickest way for it to report " on time '' would be to make the XXXX payments that were showing late and it would immediately, as of XXXX that night, show current. I was told I could still keep the dispute going but that would fix the problem in the short term. Because I am trying to get the company that I am trying to get a loan from to reconsider, that is what I did. That is not what happened though. I paid a payment of {$1700.00} and explained to the person taking the payment that it was for XXXX payments of principle and interest. This is what I was instructed to do by the supervisor at SPS. After paying the payment of {$1700.00}, which was XXXX payments when I called to check the account, the funds were mis-applied, only one payment was credited and the account is still showing delinquent. I have attached my history and it is just as I said, I have consistently paid my payments to them and in fact I am ahead on payments. Since SPS took over the loan in XXXX XXXX, they were entitled to XXXX payments to date of {$830.00}. I have made to date, XXXX payments total which I have attached proof of, with the exception of the last {$1700.00}. I can provide proof of that payment as well if needed. After pointing out the history of the account to the representative I was told that even though it was in fact showing consistent payments, there was nothing he could do. I am at my wits end. I have done everything required by me and have abided by all of the guidelines set forth by my Ch XXXX, yet SPS, even though I have paid as required has found a way to continue to defraud the system to continually ruin my credit. To date, because of this misreporting by SPS, which apparently they are not offering any way for it to ever be fixed, I have been turned down for a loan and I am having to pay XXXX interest rate for a car loan. In closing I would appreciate any help you could possibly give to finally clear my credit of the false late pay reportings. I have provided documents,