Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Recently, I was informed by credit bureaus that my credit may be negatively impacted. I then log on to my XXXX account page to discover that my mortgage bank Select Portfolio Servicing ( SPS ) added about three ( 3 ) thousand dollars to my mortgage account. I then reached out to SPS on XX/XX/XXXX but did not receive a reply nor explanation. My home is worth about {$400000.00}. I am XXXX and XXXX veteran & XXXX XXXX, an entrepreneur with a home office for [ XXXX : XXXX ]. My business was decimated by the pandemic, and I am barely keeping it afloat - out of pocket. I am also a XXXX senior on a fixed income and on top of this mortgage concern my HOA board of directors threatened foreclosure with collection fees on top of the arrears. I purchased my home after it was completed in XXXX. My mortgage payments and property taxes are current and up to date. The threat by XXXX and the HOA Board of Directors for The Crossing at XXXX XXXX to ( CFPB # XXXX but referred me to OAG TX ) foreclosure seems a bit over the top for a debt of approx., {$1100.00} minus the collection fees? 

In short, my bank added about {$3000.00} to my mortgage account throwing my monthly household budget off and in addition my HOA board declined my monthly XXXX payments citing that the automatic payment set up was for XXXX in error? Supporting document available upon request that my bank pay setup was and is active? The HOA now threatens foreclosure? I cut and pasted my correspondences to SPS and HOA management below : >Start SPS Select Portfolio Servicing , Inc . 
Attn : Consumer Ombudsman XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Relationship XXXX : XXXX XXXX XXXX XXXX Relationship Manager : XXXX XXXX XXXX XXXX XXXX I am writing to inform SPS that I just received a tax bill from XXXX XXXX XXXX XXXX XXXX I am not sure why. Would you please look into this so that I am no penalized for not paying XXXX XXXX property taxes? And the credit bureaus are reporting a negative impact to my credit report. I then reviewed my SPS account and found that SPS added about {$3000.00} to my account. Please have my relationship managers to explain why this debt was added to my mortgage loan? 
XXXX XXXX XXXX Real Manage CFPB # XXXX was also filed by me in regards to my HOA. I used my XXXX  bill pay to pay HOA dues to XXXX ( the company ) in XXXX. I missed a few payments and fell behind when my mortgage, insurance premiums abruptly skyrocketed in price. However, the XXXX auto pay feature remained active and even as I file this complaint it is still active. On or about XX/XX/XXXX the company informed me that my payments were overdue and when I inquired they claimed that auto pay was set for XXXX. 

My concern is whether or not these events are a coincidence? 

* '' XX/XX/XXXX correspondence : On XXXX, XX/XX/XXXX at XXXX XXXX  XXXX, XXXX wrote : Good Morning, I checked your ACH setup, and it was setup to begin XX/XX/XXXX. This is why payments were not being deducted. I changed it to XX/XX/XXXX so payments should begin coming out in XXXX. Thank you and please let us know if you have any further questions. '' XXXX XXXX, XX/XX/XXXX XXXX XXXX, I wrote : Date : XXXX, XXXX XX/XX/XXXX XXXX XXXX Subject : Re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you adjusting my ACH setup to begin XXXX payments. Are the XXXX late fees going be waived? 
XXXX XXXX XXXX XXXX XXXX XXXX From : mailto : XXXX - Good Morning, I will take a look at your account. I am sure we can waive the fees. As always, please feel free to contact me with any questions or concerns. Have a great week. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX Customer Service Phone : Tel : XXXX Customer Service Fax : XXXX XXXX < End XXXX XXXX XXXX

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