Consumer complaint received 2017-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX obtained my mortgage. I paid them 33 payments from XX/XX/XXXX to XX/XX/XXXX-all cleared. ( See attached listing of payments. ) XX/XX/XXXX SPS Servicing obtained my mortgage. ( See attached letter. ) 14 payments have been made to SPS and they have all cleared. ( See attached bank statement sheets showing the payments paid. ) I received a notice from SPS telling me that one of my payments was None Sufficient Funds. I called SPS and one of the representatives told me that it was the XX/XX/XXXX payment. I went to my credit union and obtained a certified letter showing that the XX/XX/XXXX payment cleared. 
Then I called SPS again ( because my account was still showing behind 1 month ) and they told me that my previous servicer, XXXX XXXX, sent them a notification telling SPS that one of my payments to XXXX was None Sufficient Funds. SPS says that they had to pay back to XXXX one of my payments that was NSF -- -SPS took one of the payments I made to SPS and supposedly sent it to XXXX . I asked SPS to send me a copy of the notice that XXXX sent them. First they couldnt find it ; then supposedly they found it and they were going to send it to me, but I have not received it. Now my account shows 1 month late and SPS has already reported me to the credit bureaus and my credit scores have gone down. 
I called XXXX XXXX, my previous servicer, and explained the issue to them. They processed an investigation and called me back to tell me that they have not requested monies from SPS ; that my account is closed and paid with them and that they have no rights to my account and it would be illegal for them to ask SPS for monies due toward my closed account. I spoke to XXXX, at XXXX, at XXXX, email : XXXXXXXXXXXX. 
I called SPS to tell them what XXXX told me. SPS continues to tell me that one of my payments to them ( SPS ) is still showing NSF and that I am 1 payment behind. So do I owe XXXX or did one of my payments to SPS not clear? They are really confused. Its like nobody has really taken the time to review all the documents I have emailed them to make sense of this situation. 
As you can see from copies of my bank statements ( attached ) which show my payments to SPS, none of the payments have ever been None Sufficient Funds to SPS -- - And if I ever didnt have enough funds in my account, my credit union pays the withdrawal and then charges me {$30.00}. I have been trying to resolve this since XX/XX/XXXX, as you can see from the letters I have received from SPS. And of course now they want me to do a loan modification to fix the issue. I have to tell you that I really, truly feel sick to my stomach every time I have to call SPS and try to clear this up. If I owe the payment and someone can tell me, and show me, why and where I 'm wrong, I will pay it - But they can not give me a clear answer. 
PLEASE HELP ME.

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