Date Received: 2022-08-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SPS INSURANCE DEPARTMENT IS TO BE WITHIN THE RESPONSE TO OUR COMPLAINT AND NO OTHER AS THE MANNER OF THE RESPONSES ARE NOT CONDUCIVE TO OUR REQUEST FOR THE POLICIES THAT WERE AND ARE WITHIN THE INSURANCE DEPARTMENT AS TO THE FORCED PLACED INSURANCE POLICIES AND ALL WITH ASSURANCE COMPANY AS PER THE STATEMENT THAT WAS PROVIDED OF FEES AND ESCROW PAYMENTS AND THUS THE MANNER OF THE OMBUDSMAN IS NOT THE PROPER DEPARTMENT FOR THE CONSUMER AT ANY TIME AND THIS IS NOT REDUNDANT BECAUSE THE RESPONSES ARE NOT WITHIN THE MANNER OF THE REQUEST AND THE COMPLAINT SO THESE ARE THE DOCUMENTS TO BE PROVIDED AND ARE REQUIRED FROM SPS INSURANCE DIVISION 1 ALL FORCED PLACED POLICIES FROM THE FIRST TIME IT WAS ISSUED AND UNTIL THE END OF THE XXXX - XXXX AND THE DATES INCLUDING THE COMPANIES THAT WERE ISSUED TO THE SPS AND NOT THE PROPERTY OWNER BUT WAS BILLED IN ACCORDANCE AND A MANNER OF THE ESCROW AS PER THE STATEMENT AND DATES RECORDED WITHIN YOUR FEES/ESCROW 2 ALL THE POLICIES THAT ARE RECORDED WITHIN YOUR INSURANCE OF SPS DIVISION AND WITH THE REPORT AS TO ACTIVE AND REINSTATE AS TO THE MANNER OF THE FORCE PLACED INSURANCE FROM XXXX TO XXXX XX/XX/XXXX THE MATTER OF THE MOLD REMOVAL IS TO BE FURTHER DISCUSSED AS THERE WAS NO REASON THAT THE CUSTOMER WOULD BE NOTIFIED THAT THE ENTERING AND THE MANNER OF THE MOLD REMOVED WOULD BE ADDED TO THE ESCROW ACCOUNT IN THE AMOUNT OF XXXX AS TO THE RECORD AND PAYMENT MADE FROM SPS/ ESCROW AND TO WHOM THE PAYMENT WAS MADE AND THE REASON FOR THE REMOVAL OF THE MOLD AS WELL AS THE PHOTOS BEFORE THE REMOVAL AND AFTER THE REMOVAL IS STILL BEING SOUGHT AND HAVE BEEN IGNORED. 4. THE MANNER OF THE REMOVAL OF THE MOLD WHICH WAS COMPLETED AND THUS THE PROPERTY OWNERS WERE ABLE AND ACCORDING TO YOUR RESPONSE ENTER THE HOME AND LIVE THERE IS UNTHINKABLE AS TO THE DESTRUCTION OF THE PHOTOS THAT WAS SENT TO YOUR DEPARTMENT AS WELL AS THE INSURANCE DEPARTMENT AND NO ONE RESPONDED AS TO ANY PHOTOS AND NO ONE RESPONSE WAS WITHIN A MANNER OF THE RECORD OF THE TIME AND THE REASON FOR THE ENTERING CONTIUNOUSLY IN XXXX WHILE THE ELECTRIC WAS BEING PAID AND THUS XXXX WHEN THE DESTRUCTION TOOK PLACE WITHIN THE STILL FULLY FURNISHED AND NOT VACANT AS TO BEING EMPTY AS YOUR FILES WILL FURTHER PROVIDE AS YOU AS THE XXXX DEPARTMENT ARE FULLY AWARE OF THE PHOTOS AND ALL THAT WAS WITHIN THE MANNER OF DESTRUCTION THUS IT WAS DEMOLISHED TO THE POINT OF NO REPAIR BUT AS TO A RENOVATION WHICH OF COURSE WAS NOT WITHIN A BUDGET FOR A PROPERTY OWNER OF REPAIR AS TO PLUMBING AND ELECTRICAL WIRE DESTRUCTION AND THUS THE MANNER OF THE CONTINUOUS WINTERIZATION WAS STILL NECESSARY WHEN THERE WAS NO FURNISHING AND EMPTY TO THE POINT OF ABANDONED AS TO YOUR OWN WORDING THAT DOES NOT ONLY MAKE SENSE TO YOU BUT THE COURT AND JURY WOULD FURTHER WONDER THAT THE FACTS ARE NOT AS YOU AND THE OTHER OMBUDS HAVE FILED AND CONTINUOUSLY ALTHOUGH WARNED OF FRAUDULENT AND FALSE ACCUSATIONS AS TO THE OWNER BEING ABLE TO RESIDE IN A MANNER OF DESTRUCTION OF A HOME AND ALL THAT WAS WITHIN 5 PROVIDE THE MANNER OF THE CALL OR THE LETTER THAT WAS PROVIDED BY THE PERSON WHO YOU CLAIM STATES THAT SHE WAS AWAY IN XX/XX/XXXX AND FOR A FEW DAYS AND YOU WOULD NOW WANT ALSO TO ENSURE YOU HAVE IT IN YOUR FILES AS TO THE DATES AND TIME OF THE CALL AND THE VOICE RECORDING OF BOTH THE XXXX XXXX AS WELL AS THE WASTE FOUND IN THE YARD AND THE MAJORITY WAS FROM MY HOME AND WAS NOT TRASH BUT THROWN OUT BY YOUR AUTHORIZATION TO DEMOLISH THE PROPERTY AS TO MAKE IT UNLIVABLE. 6 THE SUM OF XXXX FOR A MOLD REMOVAL AND NO PHOTOS TO PROVIDE TO A HOME OWNER BUT TO THE CLAIM FOR SPS TO RECEIVE PAYMENT AND ONLY TO THEM AS TO THE COMPANIES THEY USED TO ENSURE IS A BIT SUSPICIOUS WOULD YOU THINK SO PLEASE ENSURE THAT ALL THE FACTS ARE WITHIN THE MANNER OF THE LEGAL DEPARTMENT AS TO NOT PERJURY ON THE DEPOSITION AND TO THE COURT AS WELL. 7 CERTIFICATION DOCUMENTS TO THE MANNER OF THE MUNICIPALITY FOR THE ABANDONMENT AND THE VACANT HOME THAT WAS DESTROYED WHILE STILL WITH ALL OUR FURNISHINGS AND ALL THE LIGHTS BILLS THAT I HAVE TO PROOF THAT IT WAS STILL WITH ELECTRIC THE DATE YOUR AUTHORIZED SPS SENT THE SAFEGUARD AND WHOMEVER AS WE ARE NOT PROVIDED WITH THE PROPERTY PRESERVATION AS TO THE SAFE GUARD WILL PROVIDE THE DATES AND TIMES AND ENTERING OF THE PROPERTY AND THE CONDITION THAT THE PROPERTY WAS FOUND AND LEFT IN AT THE DATES SO SEND THE SIGN IN SHEETS TO US AS WELL AS TO THE ONE WE HAVE FOUND IN THE HOME ON THE DINING ROOM TABLE WAS WITH THE NAME OF XXXX AND THUS THE DATES AND VENDOR NAME AND THE CONDITION WAS STATED AS WELL THUS YOU MUST HAVE THOSE IN YOUR FILES AND THUS YOU MUST HAVE THE PHOTOS AS WELL AS TO THE ENTERING AND THE PHOTOS AS TO ALL THE LOCATIONS IN THE HOME AS IS KNOWN TO BE PROPER WITH THE PAYMENT OF THE FUNDS AS TO THE INVOICING OF THE FEES ASSOCIATED WITH THE ESCROW AND PAYMENT MADE AS TO ALL SEND TO ME PRIOR TO YOUR LETTERS AND MISTAKES IN YOUR RESPONSES AS WELL SEND ALL THE SIGN IN SHEETS PLEASE AND ALL THE PHOTOS AND THIS IS THE REQUEST THAT IS WITHIN THIS COMPLAINT AND SHOULD NOT TAKE TOO LONG AS YOU HAVE MY PHOTOS WHICH WILL ALSO BE SENT TO BRING MEMORIES AS TO THE FILES AND RECORD WITHIN YOUR EMAILS AS TO MY EMAIL ASSOCIATED WITH MY ACCOUNT AS YOU KNOW IT VERY WELL AS TO ALL WITHIN THE DEPARTMENT BUT YOU WILL KNOW THAT THE FACTS ARE THE FACTS AND YES THE FRAUD YOU AND YOUR COMPANY HAVE COMMITTED IS DEEPER THAN YOUR DEPARTMENT CAN HANDLE WITHIN YOUR RESPONSE AND AGAIN LET THE INSURANCE PROVIDED THE DOCUMENTS AND YOU AND YOUR LEAGUE OF XXXX AND CO CONSPIRATORS WITH THE KNOWLEDGE IN THE SAME PHOTOS THAT YOU HAVE IN YOUR FILES KNOWING THE PROPERTY WAS FULLY FURNISHED AND NOT VACANT AND THUS AGAIN PLEASE SAVE YOURSELVES FROM THE COURT AND BEING DEPOSED AS THE TIME IS ARRIVING FOR THE MANNER OF THE COURT CASE AND ALL THE NAMES ON THE DOCUMENTS THAT ARE BEING PROVIDED WITH THE FULL KNOWLEDGE THAT MY EMAILS PROVIDED YOU AND THE INSURANCE AND OTHER AREA OF THE SPS AND ALL THE OWNERS/INVESTOR AS TO THE BANK WITH THE COMPLETE DOCUMENTATION AND PHOTOS AS TO THE MANNER OF DESTRUCTION AND YES WE HAVE A CERTIFIED INSPECTION WHICH WAS PERFORMED AS WELL SINCE NO OTHER MANNER OF RESPONSE CAME TO OUR ASSISTANCE AND WE ALSO HAVE AS FAMILIES USUALLY DO PHOTOS OF ALL THE INSIDE OF THE HOME FROM THE DATES PRIOR TO AND UNTIL THE FINDINGS OF OUR LOSS AND THUS THE REMOVAL BY THE BANK PRIOR TO THE FORECLOSURE SALE AND INDICATING THAT THE THIRD PARTY IS THE RESPONSIBLE PARTY BUT HE CLAIMS YOUR SPS REMOVED THE PROPERTY AS HE ENTERED INTO A FREE AND VACANT PROPERTY BUT WHILE WE WERE WAITING FOR THE INSURANCE XXXX TO PAY FOR THE DESTRUCTION YOUR COMPANY WAS USING FRAUD TO ENSURE WE WERE NOT PAID AS TO ADDING POLICIES AND WITHIN A MANNER OF FRAUD AS TO ONLY THEIR NAME AND NOT PROVIDING ANY DOCUMENTS TO THE PROPERTY OWNER AND ADDING THEFT AND VANDALISM AND OTHER MANNER THAT IS NOT WITHIN A POLICY THAT WOULD BE EFFECTIVE AS TO HAZARD ONLY TO THE SPS SO YES THE FRAUD IS DEEP AND YOU ALL KNOW IT TO BE SO AND THUS WE HAVE THE DOCUMENTS AND RESPONSE AND ALL WILL BE SOON ABLE TO DECIDE HOW TO PROCEED IN THE PROPER MANNER AS TO THE DEPOSING AND WITNESS AS YOU ARE WITHIN THE SPS OMBUDS AS WE ARE NOT CUSTOMERS TO YOU AND YOU ARE NOT ADVOCATES TO ME AND THUS YOU ARE ALL ON YOUR OWN AS SPS IS NOT WITHIN YOUR MANNER OF FUNDS. THANK YOU FOR THINKING THIS THROUGH AND ALLOW THE INSURANCE DEPARTMENT TO HANDLE THIS PROPERTY AND THE ISSUES OF LOSS AND ALL THAT WILL BE BROUGHT TO LIGHT AND YOU ALL WILL BE AS WELL WITH THE LOSS OF INCOME FROM BEING NOT WANTING TO FALSIFY ANY LONGER INFORMATION AS TO COURT AND PERJURY FOR A COMPANY KNOWN TO BE IN A MANNER OF DESTRUCTION TO CUSTOMERS AWAYS FROM THEIR HOME FOR ANY LENGTH OF TIME AND WITHIN A PRE FORECLOSURE AND NOT A COMPLETED FORECLOSURE AND THUS THE CERTIFICATION FROM THE PARTY THAT NOTICED YOUR COMPANY THAT THE PROPERTY WAS VACANT TO ENTER IS ALSO WITHIN YOUR REACH CORRECT AND THUS PROVIDE IT NOW OR THEN AS TO YOUR OWN MANNER OF FILES. AS YOU ALL KNOW MY NAME AND YOU ALL KNOW THE FILES AND THE RECORDS THAT YOU HAVE AND YOU ALL KNOW THAT THE COURT IS NOT THE BEST PLACE FOR EITHER OF YOU TO ENTER. LOOKING FORWARD FOR THE DOCUMENTS AND ALL AS THEY WILL BE GRANTED WITHIN A PRODUCTION OF DOCUMENTS BUT AT LEAST YOU CAN SAVE YOURSELF FROM THE MANNER OF ENTERING INTO A CASE AS WITNESSES AND HAVING TO CONSULT WITH ATTORNEYS AND PAY AS THEY WILL NOT BE PAYING FOR YOUR OWN MANNER OF FRAUD WITHIN THE COMPANY AS TO THE OMBUDSMAN AS AN ADVOCATE FOR CUSTOMERS AND NOT NON CUSTOMERS. FALSE AND MISLEADING INFORMATION IS WITHIN ALL THE DOCUMENTS THAT HAVE BEEN PROVIDED AND THUS THE FRAUD AMONG AND IT IS STRONG WORDING AS IT IS NOT USED LIGHTLY AS IT IS IN THE DOCUMENTS THAT WE REVIEW AND WITHIN YOUR OWN SENDING THAT IT EXIST!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was laid off from my employer on XX/XX/XXXX. I struggled to find employment and was on Unemployment Benefits from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX my mortgage company, XXXX offered assistance due to COVID. I explained to them that I had lost my job an was starting to struggle to make payments. They offered me a forbearance or deferment, not certain on the verbiage. However, the option was that I can defer my mortgage payment 6 to 12 months due to COVID. Afterwards, if I am still struggling there would be other options or they had other options I could take advantage once the deferment ends. The options were payment modification or they would move what I owe to the end of the note and I would maintain my regular payments. I took advantage of the 9 month deferment and when I spoke to them in XX/XX/XXXX, I told them I found employment and would like to move my payment to the end of the note. XXXX recommended since I just started and my status is a XXXX, that I extend the deferment for the full 12 months to allow me to get caught up. I agreed to those terms and during this period my loan was sold to Select Portfolio Servicing. Once I received communication my mortgage was with them I proceed to call them weekly, Each time they notified me they did not have all my records from XXXX. I told them about my situation and wanted to ensure that I would be able to maintain my normal payments and move my past due to the end of the note as promised as an option with XXXX. I spoke with SPS last month and advised them I had my payment pending for XX/XX/XXXX as promised to continue my payments. They informed me that I would have to take a survey to proceed further, they ask 3 questions, 1 if I am still experiencing a hardship, I stated no, 2 if I am able to bring the account current by paying the past due amounts, I stated no, 3 if I am able to maintain my normal payments, I advised Yes, they told me it would take a couple of weeks and I do not have to make any payments because I am under forbearance still, however I did not cancel my scheduled payment. This weekend I received a letter that I am possible foreclosure unless I enter a payment modification loan and make XXXX payments by XX/XX/XXXX. Each time I called no one was able to tell me anything about my situation. I called SPS on Saturday XXXX and now they are stating they need to research my situation. I advised them how if they do not have all my information from XXXX, SPS is trying to put me on a new hardship plan that I did not agree to and are threating me of foreclosure. Can someone please get to the bottom of this, I do not want to lose my home because the lack of documentation from XXXX and their negligence to inform the new servicer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78223
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Select Portfolio Servicing assumed the collection of mortgage fees dated XX/XX/XXXX. Loan was transferred from XXXX. The last payment to XXXX was made XX/XX/XXXX. SPS immediately charged me for the XX/XX/XXXX payment even though their date of servicing the loan was XX/XX/XXXX due date XX/XX/XXXX. This immediately put me in arrears 1 month as SPS claimed I did not pay the XXXX payment to XXXX. SPS assumed servicing the loan after I completed a XXXX mortgage ( XX/XX/XXXX to XX/XX/XXXX ) assistance program with XXXX State Housing Authority that allowed me to keep my home from being repossessed. My wife and are both XXXX XXXX. I believe SPS intentionally leveraged the XXXX payment in order to put us in arrears and create another default situation coming off the mortgage assistance program. SPS also charged me a new loan setup fee ( XX/XX/XXXX ) in the amount of XXXX which ballooned my principal amount from XXXX to XXXX once they assumed servicing of the loan. I can not refinance my loan because my credit report shows the principal amount includes the XXXX. Putting me in arrears created late fees. SPS is still charging me late fees even though my mortgage is on ACH and timely.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have made several requests that XXXX update my accounts with the payments. In reviewing my Select Portfolio account I have found yet another one of my account that does not have correct information. My loan was transferred to SPS back in XX/XX/2020 which they sent me a letter stating the change. My first payment was sent to them XXXX and XXXX but their records show no evidence of the payments being reported
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am disputing the fraudulent 1099 reporting submitted by Select Portfolio Servicing , Inc . I have never done business with this company. I have never received a dime from this company nor {$13000.00}. I have called this company multiple times and sent certified letters requesting clarification to no avail. This is causing me unnecessary stress as now I am facing a debt, I dont owe to the XXXX due to this fraudulent reporting. I need assistance getting this company to clear this fraudulent 1099 reporting to the XXXX
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The owner died unexpectedly in XX/XX/2021. My office was hired to probate the Estate. We have been diligently working on this probate which has real estate in Massachusetts and Rhode Island. That is to say it is complicated and takes time to process through the courts. We were able to get the RI property listed a couple of months ago and had to drop the price several times. We are now in the process of requesting a short sale. The first lienholder would receive most of what they are due but the 2nd lienholder would not. This is another time consuming process. We requested the foreclosure be postponed and the primary lienholder denied the request. This is the 1st foreclosure sale date and the property will sell for far less than what is owed to the primary lienholder at auction. In addition, the heir and Administrator has put a great deal of time, money and energy in preparing the property for sale. Under the XXXX case, I believe the lender has to give you the opportunity to sell it privately when you have a Bona Fide Purchaser. We need help in getting this postponed so we can perform our fiduciary duties to the estate and the heirs.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02740
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: section 1026.36 ( c ) ( 3 ) XX/XX/2022 requested payoff from mortgage servicer XX/XX/2022 received payoff quote - escrow/impound advance amount listed as {$2500.00} previous payoff quotes dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 reflects amounts different from monthly mortgage statements XX/XX/2022 mortgage statement does not reflect {$2500.00} XXXX XXXX XXXX sent response asking for clarification of the advance amt. on payoff quote for XXXX XXXX XXXX ; why is the amount different from XXXX XXXX XXXX ; no escrow advances listed on customer transaction history as proof
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Select Portfolio Servicing did not adhere to RESPA XXXX Loss Mitigation Procedure. My mortgage was XXXX in bankruptcy in XXXX, 2021. During that time to present I have submitted Request for Mortgage Assistance { XXXX ]. Each request has been denied with Select Portfolio Servicing providing no reason for the denial. I was notified that no home retention options were available to me. The only options that were still available were Deed in XXXX and short sale. Another XXXX was submitted with Deed in XXXX as my option. After countless phone call from me in regards to the status of XXXX. On XXXX XXXX I received a foreclosure sales notice by mail. Upon receiving the notice contacted SPS and was told that the Deed in XXXX had been denied and that I would receive reason for the denial in mail. No reason for XXXX denial has been received. On XXXX i a letter stating that SPS was offering {$7500.00} relocation assistance and that the offer had to be accepted by XXXX XXXX. The document was singed by myself and XXXX other adults in the household. The complete document was returned by fax to SPS on XXXX XXXX. I called SPS on XXXX XXXX to make sure the document had been received. I was told that the document had been received and being reviewed. On XXXX XXXX I received correspondence from SPS stating that since the cash for keys offer was not returned I no longer qualified for this option. The way Select Portfolio Servicing handles the Loss Mitigation Process should be investigated thoroughly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Sps servicing has held my mortgage since XX/XX/XXXX and still does. They paid for the insurance part in escrow until XX/XX/XXXX when they dropped it, still paying for other taxes included. Payment is paid a year in advance so the insurance part of escrow was paid till XX/XX/XXXX, payment was suppose to be made for XX/XX/XXXX but was not, I`m now paying for this. XXXX, the insurance company for the property sent me a bill for it as documents attached confirm. I told them that Sps is suppose to pay for that and XXXX said they agree but Sps refuses to pay it. I talked with Sps on many calls in XXXX to XXXX and made over XXXX calls asking them to return the insurance to escrow as all taxes were to be included in the payment as agreed when the property was purchased in XXXX. XXXX said they never saw this before. Attached document from Sps shows they no longer do this coverage for condos. I filed also with the XXXX XXXX XXXX and the State Attorney Generals Office in Florida, both forwarded my complaint to Sps and they are awaiting responses from Sps on this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32789
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Unbeknownst to me my mortgage was transferred to another company. It is called Select Portfolio Servicing Inc . I was on auto pay with the prior mortgage company so I never opened the statement envelopes. I had always paid ahead and on time. I realized when my XXXX payment did not clear and I called that I had been transferred. I tried to go in to call SPS for an account number to get set up online. The 3rd party letter did not transfer from the prior mortgage company to the new. XXXX did that online. When I tried to make a payment it would not accept my bank. I have many autos coming out of this bank but this company would not accept it. I called and was told to make a payment over the phone they charge {$15.00}. That is rediculous. I am a first time customer. They wanted me to go through the bank and wire it. This cost {$35.00} and I feel a ridiculous response. So I contacted the XXXX and SPS responded with some off the wall none relevant response. Because I am behind now and afraid they will take my house away, I opened an account with a new bank and attempted to go in today to make a payment. Even with this new bank I will be charged {$15.00}. Everything in the world is online now. I refuse to pay {$15.00} dollars a month to make a payment online. I refuse to set up auto pay until I have a better understanding of this company and feel confident enough in it. I unfortuantely had been through a horrible experience with XXXX XXXX XXXX so my confidence in them is very low. I call to try to pay over the phone and was told they would wave only this month but from now on it will be charged {$15.00} amonth. I NEVER agreed to this in any prior mortgage and they should not be allowed to add this fee without my consent. And now after this last phone call, being told I am delinquent with a terrible tone, and she hung up on me I feel this company is taking advantage of costumers. They should not be charging {$15.00} a month just because I want to press the button to send payment. I understand {$15.00} does not seem like a lot but right now I am sure you, as well as the entire world knows {$15.00} is A LOT right now. That is a gallon of milk and bread for my kids.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A