My lender is Select Portfolio Servicing. And, not by choice! My loan was sold to them by XXXX XXXX XXXX a year and half ago. Its been XXXX ever since! 
I had XXXX messages from my Relationship Manager so I called back SPS. While I am waiting for a human being to pick up, the recording is giving me the latest update on the status of my account. It starts off with " your forbearance payment of $ XXXX was received on XXXX XXXX, 2015. Your next forbearance payment of $ XXXX is due on XXXX XXXX, 2015 ''. 
I was shocked and horrified! I am NOT in default on my loan payments and yet, according to this account update from SPS, I am! When I do get XXXX ( relationship manager team ) on the line, I ask her about this. Mind you, this conversation is being recorded. I say, good! We will need the proof! XXXX starts off by telling me that I am confused! She says I am paid up ahead and that my next payment is not till XXXX 2015 ; further that since I paid extra, the XXXX amount is that much less. 
So, I ask her what happened to my XXXX payment that I made -- -on time, mind you. I get silence! Then XXXX insists that I am paid up ahead and that my payment was applied to XXXX 2015. Again, I question this statement and action on the part of SPS because I paid for XXXX 2015, on time. Finally, XXXX says that my XXXX payment triggered the Trial Loan Modification that I was approved for. 
Yet again, I am shocked and not a little terrified! Because, from what XXXX of SPS is telling me is that SPS took my XX/XX/XXXX-on-time payment, applied it to XXXX thereby forcing me to be in default!!!!!! Further XXXX is telling me that the Trial Loan Mod that should not have been triggered except by MY payment of their required amount by XXXX XXXX, 2015 was triggered by my XXXX payment! Even though the correspondence from SPS clearly indicates that the trial loan mod would only be triggered by my payment of $ XXXX by XXXX XXXX, 2015! 
So, I want CFPB 's help with this problem with SPS. SPS is operating outside the law and has committed FRAUD. What they did by forcing me to be in default when I am not is ILLEGAL!!!!! 
I would appreciate guidance as to what my options are in this case where my lender is corrupt and committing illegal acts as well as fraud with the mortgage loans that they service. 
Thank you in advance for your help! 
