Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I received a letter in the mail, stating that XXXX XXXX was the owner of my FHA loan. I also received a letter stating, that Select Portfolio Servicing was the sever. Prior to Select Portfolio Servicing, becoming the server, I had never had any issues. With the other company, I received my mortgage statements, by the XXXX of every month and the payments were always posted. Or the formal company made it convenient to pay online, at no cost. Every since I have been dealing with Select Portfolio Servicing, there been nothing but issues. I dont receive my end of the year, 1098 Tax Form. I received my mortgage statements from SPS on the XXXX of the month. And my payments, are posted late. There is so much deception and lies, as well as other, questionable work ethics within Select Portfolio Servicing, company. It is against the law, not to receive my1090 Tax Form, To mail my statements out late, Not to post my payments, on time, And the continuous harassment by Select Portfolio Servicing. My payment should have been posted on the XX/XX/2024. I have never mailed a payment XXXX. On XXXX XXXX  I filed a complaint with CFPB concerning my payment issues. In the past, I have filed many complaints with CFPB concerning SPS. Select Portfolio Servicing told me that XXXX XXXX, CFPB, And the FTC were in cahoots with them and other Servers, to steal people homes. 
On XX/XX/2024 I checked my credit report, and learned that Select Portfolio Servicing had reported lies and false information on my credit report, Which is, Against The Law. Select Portfolio Servicing stated, my mortgage payment are mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX THIS IS A BOGUS ADDRESS. The address on my mortgage statement, that I send my payments is : SELECT PORTFOLIO SERVICING, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. So, On XX/XX/2024, Select Portfolio Servicing Deliberately, posted false information on my Credit Report. Which again, is against the law. In the past, Select Portfolio Servicing, has cut and pasted fraudulent documents and forged and copied my name to the fraudulent documents. And tried to set up a Bogus address in Florida. They stated it was an accident. Select Portfolio Servicing, is a corrupt company, with practices, that are against the law. My husband is a veteran and we plan on speaking with with someone in the XXXX office. Select Portfolio Servicing is committing, Federal Offensives. I checked on Select Portfolio Servicing site yesterday XX/XX/2024, and SPS, still have not posted my payment XXXX XXXX payment. Where is my check? Why are they trying to steal it. There are thousands of complaints on Select Portfolio Servicing, all with the same complaints. I found this address on there site, they stated, XXXX XXXX does not own my loan, However, this is XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX XXXX. On XX/XX/2024, I sent Select Portfolio Servicing, a Certified Letter, Requesting to know, the Owner of my Mortgage Loan, to include the NAME, ADDRESS, and TELEPHONE NUMBER, of who owns My Mortgage Loan. The letter was signed off and picked up on XX/XX/2024, By XXXX XXXX, an employee of Select Portfolio Servicing. I have the actual, Signature Confirmation. However, today is XX/XX/2024, and Select Portfolio Servicing, has still, not informed me, who the owner of my mortgage Loan is. Moreover, Someone by the name of XXXX, called me one day from XXXX XXXX, I know it was XXXX XXXX because it was on my caller ID. XXXX was only concerned with, about getting my sensitive information.

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