Consumer complaint received 2019-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My Mortgage is currently serviced by Select Portfolio Servicing , Inc. ( " SPS '' ). SPS took over servicing of my mortgage from XXXX in XXXX of XXXX. All payments prior to XXXX of XXXX were made to XXXX, in full and on time. SPS is now trying to extort money from me, claiming that I have to also pay them for XXXX of XXXX, even though they didnt service my loan at that time. Naturally, I have already made that payment to XXXX. 

This has been an issue since the 4th quarter of XXXX. It took a couple of months for billing to get sorted out between the 2 companies and for SPS to begin sending me statements. After receiving 2 or 3 statements that inappropriately referenced the XX/XX/XXXX payment, I became concerned that the error was not going to be fixed without intervention. 

Therefore, I called SPS about XXXX of XXXX, perhaps XXXX of XXXX, and told them that I had already paid the XXXX payment and they needed to correct their records. At the time I spoke to SPS I had not yet conducted my own research to determine why the error had occurred, so I did not yet realize that SPS was trying to extort money from me that I didn't owe them. All I knew is that I had made all payments properly, on time and in full. 

The woman I spoke to was very nasty. She said that they were the ultimate decider of what had to be paid and if they decided they wanted me to have to pay the XXXX payment again, I would have to pay it again. She claimed that they would do an investigation and get back to me but that I should just make the payment again. I never heard any result of any investigation, so I am of the opinion that the nasty woman never set any investigation in process. 

After a month or so I realized that SPS was not going to fix the issue. Therefore, I contacted my mortgage company and told them that my money had been stolen by their servicer and asked them to please look into the crime and force SPS fix the issue. As with the servicer, I never heard anything back from the mortgage company. I am fairly certain no one even looked into the issue. 

I then did my own research and found that rather than a theft of my money by SPS it was an extortion attempt by SPS. Their efforts continue to this day and they are getting more and more aggressive. They are falsely reporting to credit bureaus that my mortgage is in arrears and they have denied me benefits and perks that are only available to people whose mortgages are in good standing. They are now stating that my mortgage is in default and are threatening to foreclose if I don't pay their extortion demands. 

As you are aware, this is not the first time one of this mortgage company 's service providers has criminally taken money from me. A prior servicer misappropriated 2 monthly payments that I sent by EFT and then used that as an excuse to assess servicing abuses against my account. You chose to do nothing, and the mortgage company chose to do nothing. I fought for nearly 10 years to get someone to do the right thing, and ended up paying over {$10000.00} plus almost 10 years of compounded interest out of my own pocked to correct the disaster that they made of my mortgage account. For that reason I feel this is an intentional attempt to extort money from me as they have learned from past experience that they will not be held accountable for even their negligence, much less for intentional criminal actions designed to steal from their customers. 

I deserve to be helped this time. I can't keep funding these terrible businesses that can not perform even the most basic functions required of them to be in business and that knowingly and criminally take money from their customer that is not owed.

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