The servicing of my mortgage was transferred from XXXX toSelect Portfolio Servicing at the beginning of XXXX 2015. I attempted inXX/XX/XXXX, to make my XXXX mortgage payment online, but was unable toaccess my account information. I contacted SPS 's customer service andthe gentleman who answered the call was also unable to access myaccount information. I was told they were a really large servicing companyand it takes time to load all the loans they purchased??!! Was this their firsttime uploading loans to their system? I did as I was instructed and waited untilXXXX XXXX to log into my account and to my surprise my account informationwas available. I logged in set up an account, placed my checking accountinformation into the system, to see a message I was going to be assessed a {$15.00} check by phone fee to make an XXXX time, on time regular mortgagepayment?!!! Working in the financial and mortgage servicing industry for thelast 13 years I know for a fact it costs pennies to process check by phonepayments. Consumer 's should not be charged outrageous fees to processregular on time mortgage payments. I am not delinquent, I am not having arepresentative process the payment, I did all the work, now automation takes over .... and I have to pay for the companies automation? I never had to pay afee with XXXX and since consumers can not choose who their servicingcompany is, I feel it is unethical for the new company to charge for servicesthe prior servicer did n't charge for. After calling in a talking to a servicingrepresentative at SPS, I got the run around before even getting the feewaived. I should n't have to pay {$15.00} for the company 's incompetence. 
Mortgage servicing companies are necessary for processing payments, dealing with the escrows, ect. but since the consumer can not shop aroundand make the choice about who services their mortgage loan, the servicingcompanies should not be able to charge customers for making onetimepayments online. 
