Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
To Whom it may concern, My name is XXXX XXXX Last XX/XX/XXXX XXXX sold my mortgage to a company select portfilio servicing.. At that time had disability insurance that paid my mortgage. I did do a complaint against insurance and they paid two more years and ended this XXXX ... In XXXX the insurance made two payments on for XXXX and another one for XXXX. Also in XX/XX/XXXX when I check my account thru the automatic voice system, It said they recd money and my next payment was in XX/XX/XXXX. I told them and even faxed the payment history from the disability company, The mortgage company said they never got it,,, So i gave them the name of the insurance company XXXX XXXX  insurance of michigan,, so they can get the cancelled checks.. The mortgage company never checked with them.. Also in XX/XX/XXXX i fond out that the mortgage company had XXXX in unapplied funds to my acct. I asked them to take the unapplied funds and make the monthly payments with that money ... The mortgage company did not do this.. It was in XX/XX/XXXX that I contacted the ohio dept of commerce and got in touch XXXX XXXX and she forwarded my complaint to the mortgage company.. The mortgage company in XX/XX/XXXXremoved XXXX from my account they said it was a mistake it belonged to another account. I told them i should have been notified either by phone or in writing the girl at the mortgage company said it was not my money. I told her it was my account and any transaction to my account I have to be notified.. I also told the ohio dept of commerce about this.. Also I have been on XXXX since XX/XX/XXXX and when I was switched to sps I ask to see about lowering my payment,, So they mailed the forms for me to fill out and all the information that they needed.. There was a program that would expire inXX/XX/XXXX.. The mortgage company to alot of time then they asked for the same information again. which i sent by the time sps was done the program ended and they sent me a letter saying I dont qualify for anything ... Also since sps said I was behind on my mortgage they filed with credit bureau and I lost XXXX points to my credit score and made fall into the poor catergory.. I also let XXXX XXXX know about this and about trying to lower my monthly payment,, I did call the sps to check on my account and going thru the automatic recording it says now that the recd XXXX and my next payment was due in XX/XX/XXXX.. because a week before I talked which also was in XX/XX/XXXX i spoke to sps and they only fond XXXX of unapplied funds and the girl says i cant take the money from principal to make monthly payments.. and gave me no more information so right now i am paid up toXX/XX/XXXX which I have to make a payment of XXXX instead of XXXX ... Also here is another complaint I called hope and we went over things so the girl at hope made a three way call to sps trying to find out why they never fond the other XXXX in unapplied funds the girl also said she had me on the line and i gave permission for the girl at hope to go over my acct information the girl at sps said it had to be in writting which is not true way back when this mess happened i added a friend to talk with sps and it was done over the phone.. so getting back the girl after she said it had to be in writing hung up on us, and the girl from hope there was nothing she can do for me.. You can get all the paper work from XXXX XXXX because i sent the paper work to her and she will make copies and mail back to me,,, I told XXXX that i want to keep my complaints open until I get full satisfaction from sps,, I did take business law in high school and sps has defaulted on their end for not working with people with disabilities and for putting aside XXXX in unapplied funds and reporting to the credit bureau that i was behind payments which was not true.. 
Please help me XXXX XXXX

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