Select Portfolio Servicing, Inc Mortgage Complaint

Select Portfolio Servicing, Inc Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account North Carolina

SPS bought my loan from - a couple of years ago. This year, they began trying to raise my mortgage payment up to more than $200.00 a month. When I asked for an explanation I got different answers from different reps. The first told me that - County had contacted them and told them I had n't paid enough in taxes in 2015. I viewed my tax bill online and called the county tax assessor. Not true. I paid in full and early. The next rep told me that SPS had underescrowed and the $200.00 more a month was to address the deficit. At the time, there was about $1900.00 in my escrow account. NC allows lenders two months of escrowed amounts. My escrowed items are $580.00 a month, so they already had more than required. But, it was either $200.00 more a month or I needed to pay a lump sum of more than $2000.00. Other letters followed these conversations. One reached way back to when my loan originated with - bank and gave me a balance that was about $75000.00 more than I owed. Another letter said the extra escrow amounts would be spread over two years at about $40.00 a month more. Another letter said they only needed to increase my payments by around $30.00 a month. Today, I was told that SPS discovered I had overpaid and they issued me a check in -/-/-. I never got one. Today, I was also told that there was a deficit of only $41.00 in total. Throughout this I have continued to make my same payment of $1500.00. My account shows that my monthly payment is $1600.00. But, there is no balance carrying forward and no late penalty assessed.