Select Portfolio Servicing SPS Arbitrary charges deducted from my full mortgage payment - deliberately triggering late charge Salt Lake City Utah

SPS regularly deduct unexpected fees from my full mortgage payment and then apply a late fee of an exorbitant amount ($125 on a payment of $2965).

Since my loan was transferred from Chase, late fees have been added practically every month although they received -- and recorded payment before the late fee deadline.

We've called multiple times and have been assured that late fees will not be added if the payment is received on time but clearly that has not been the case -- and is easliy verified comparing mortgage statements to our bank transaction record.