Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We have had our Mortgage for close to 20 years now and it is almost paid off. It has been financed through several different agencies. Most recently XXXX XXXX XXXX sold our loan to SPS ( Select Portfolio Servicing , Inc out of XXXX XXXX XXXX, Utah ). Our property is in XXXX, California. Our loan number is XXXX.
We did not know the loan was being sold until we received a bill fro SPS. Originally our payments with XXXX  were around {$800.00} a month. We payed all the taxes and insurances from our personal checking accounts.
The first year after SPS took over we received our property tax bill as informational only. SPS had requested XXXX  County to forward the property tax bills to them. I have been asking for at least 3 years to give our property tax bills back to us. They replied " you have to go a full year without a late fee to be able to adjust your account ''. I have been trying to do just that! I even sat up automatic payments from our checking account. SPS in turn ; set the delivery date 2 days after my payment was due! Another late fee! Another year with a late bill! The next year I was told I had 4 late fees. SPS and I researched our account. InXX/XX/XXXXI sent the check for XX/XX/XXXX and later in the month I sent a check for XX/XX/XXXXlisting the information as a XX/XX/XXXXpayment.
They said " Oh we applied both to XX/XX/XXXX giving you additional monies toward your principal. But ; you 've been late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX''. It was to far out to change the numbers. Another year of late Fees!
But, what has also been troubling us with our mortgaged property ; it has always been divided into 2 parcels. One larger and one smaller. ( And we own a second piece of property in XXXX FREE and CLEAR ). The first year we received the informational tax bill it showed 2 parcels going to SPS. The large parcel from XXXX XXXX XXXX and our FREE AND CLEAR PARCEL. They even have a loan number attached to our property tax bill! The smaller parcel tax bill from XXXX XXXX XXXX. was sent to us for payment from the county. Of courses they ca n't adjust our account until we go one full year without a late fee!!
Of course our mortgage payment is now regularly {$1100.00} with the escrow added. We try to send {$1500.00} a month but we do not get as much towards our principal as before. Then a coupe of years ago XXXX County wanted to do some street repair on two curves that go through our property. So they took possession of some of our property at XXXX XXXX XXXX. Now it is divided into 3 parcels. We have a total of 4 parcels in XXXX.
Two months ago I called SPS again to discuss getting my Property Tax bill corrected on my XXXX XXXX Property. I asked if you ca n't at this time give me back ALL of our property bills at least give us the paid for property that you have no business being in control of. They said they do n't work that way, if it is paid for ; it would not be in their system but ; they would investigate. Again, that was two months ago and we have n't heard anything from them since.
When we were with XXXX, we paid all the extra fees ; insurance and property taxes. We never signed any paperwork relinquishing our rights to have our Property Taxes paid by SPS. ( They repeatedly say WE DID ). We did n't know who they even were until we got our first bill. Then we called XXXX to verify all the information in their letter. Yesterday ; we received our new property tax informational billing statements. Now they have possession of all four parcels. The County of XXXX suggested we contact you that maybe you could help! The County says they can not help when a lender requests the billing to be sent to them it is sent to them no questions asked!

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