Consumer complaint received 2024-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
SPS Select Portfolio Servicing, inc XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Number : XXXX In relation to the complaint filed with the CFPB Consumer Financial Protection Bureau, U.S. complaint ID XXXX, On XX/XX/XXXX, and in order to respond to the SPS company , and demonstrate that they are in error, I am going to respond to the following points : XXXX. PAYMENT OF TAXES On XX/XX/XXXX, the SPS company responded the following : SPS provided the attached Notice of Delinquent Taxes dated XX/XX/XXXX, which indicated our intention to pay the delinquent taxes if we do not receive proof that they were paid. This notice advised that the account may be placed in escrow if a late tax payment is made. SPS made a late tax payment on XX/XX/XXXX. 
As a result, the Escrow Account Annual Disclosure Statement dated XX/XX/XXXX was sent, reporting that the account was escrow for taxes. The updated payment took effect on XX/XX/XXXX for {$1500.00}. 

Given that response, I want to mention that there is an error on the part of SPS, since it states that in the month of XX/XX/XXXX, it detected delinquent taxes, communicating an alleged notice that if proof was not received that they were paid, you would proceed to the pay. 

I want to state that this NOTICE was never notified to me, so I was never aware of your plan to make the tax payment, since I had already made that payment directly in cash at the XXXX XXXX XXXX  on the XXXX of XX/XX/XXXX, as shown in the attached receipt and seen in the image : Therefore, the SPS company should not have taken actions such as sending the annual disclosure statement of the escrow account dated XX/XX/XXXX, and therefore should not have updated the payment on XX/XX/XXXX for the amount of {$1500.00}, this act being fraudulent conduct on the part of SPS because it acted without reason, since as I demonstrated I MADE MY TAX PAYMENT ON TIME, it can not be possible for them to say that they issued a NOTICE because that is not real, I never received that notice, if I had received it of course it would check my tax payment, but they took advantage of my advanced age. 

Then in another section of its response, the SPS company responded the following : SPS issued a regular tax payment to XXXX XXXX on XX/XX/XXXX for {$3200.00}. SPS contacted the county and they informed us that no duplicate payments had occurred and that no refunds were due. 

To make my reply to this response from the SPS company, I first want to ask why you want to make a payment in the amount of {$3200.00}?? Do you not have my information where you know that I am an elderly person and that therefore I qualify for county benefits to pay at a discount?? Of course you know it but you don't want to admit it because your intention is to harm me and get money at any cost. 

It is totally impossible that XXXX XXXX mentioned that there was no payment for taxes, I want proof that there was that communication, since we are talking about electronic records, so it is entirely your responsibility SPS to respond for that alleged payment that They gave, since it was your decision as I already said, IT IS NOT MY MISTAKE, since I was never notified of any notice, so I am not responsible for SPS making improper payments., I PAID MY TAXES. 

Finally, in another section of its response, the SPS company responded as follows : The updated payment as of XX/XX/XXXX was {$1200.00}. As of the date of this letter, there is a negative balance of {$4900.00} in the escrow account. Once this amount is repaid, your payment will return to the amount owed for principal and interest only. We attach the Escrow Account Closing Notice dated XX/XX/XXXX. 

As I already mentioned and verified that the taxes were paid in cash at the XXXX XXXX offices on XX/XX/XXXX, and that I was also never notified of the supposed NOTICE because they required me to verify said payment, it is totally illegal that they want to charge me something, which is your mistake SPS, that charge is improper like all the actions that derived from it, since I never defaulted, even the payment corresponding to the XXXX TAXES was also made in cash on XX/XX/XXXX, of which I also add evidence and the following image : XXXX. PAYMENT OF HOUSE INSURANCE. 

On XX/XX/XXXX, the SPS company responded the following : In addition, SPS sent the attached Insurance Notices dated XX/XX/XXXX and XX/XX/XXXX, indicating that the insurance on file had expired. SPS provided the attached Notice of Insurance Placement dated XX/XX/XXXX, when we established that the lender placed insurance on the account. 

The insurance has been paid continuously, which I verify with the attached documents consisting of the policies of the XXXX XXXX company : Policy Number : XXXX XX/XX/XXXX XXXX AM XX/XX/XXXX XXXX AM Policy Number : XXXX XX/XX/XXXX XXXX AM XX/XX/XXXX XXXX AM For all of the above, I ask the SPS company XXXX accept its mistake and correct the damages caused by its fraudulent acts, since this issue has seriously damaged my health, due to the fear of losing my house, all due to unsupported actions by the company. SPS company, I have been in the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has not been able to withstand so much pressure due to all this, so I demand a favorable response to my situation.

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