Consumer complaint received 2022-11-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XX/XX/XXXX, I, XXXX XXXX XXXX, also known as XXXX XXXX engaged in a consumer credit transaction with XXXX XXXX XXXX XXXX. During the course of the credit transaction, I was not provided material disclosures as required by law. XXXX XXXX XXXX  XXXX used false and misleading statements about the consumer credit transaction, in an attempt to unjustly enrich themselves. I have recently been made aware of the scheme/scam that XXXX XXXX XXXX XXXX and accomplices have been engaged in for the purposes of unjustly enriching themselves and others. 

In XXXX of XXXX, SELECT PORTFOLIO SERVICING, INC began communicating with me ( without my prior consent ) about the consumer credit transaction I engaged in with XXXX XXXXXXXX XXXX XXXX. I was never provided an XXXX XXXX form as required, for anyone to use my private intellectual property. It is my belief the above named parties may be involved in Identity Theft. 

On or about XX/XX/XXXX, I began asking SELECT PORTFOLIO SERVICING, INC for information pertaining to the consumer credit transaction for account number XXXX. I followed up with SELECT PORTFOLIO SERVICING, INC on XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX, XX/XX/XXXX, and XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have enclosed some of the communications I mailed to SELECT PORTFOLIO SERVICING, INC, as evidence of my attempts to collect information pertaining to my account that was created by the deposit of the adjustable rate note / money I loaned to XXXX XXXX XXXX  XXXX. 

SELECT PORTFOLIO SERVICING, INC failed to provide the requested information, including, but not limited to, account transaction details pursuant to Generally Accepted Accounting Principles ( GAAP ), IRS form 1099 OID, IRS form 1098, IRS form 1065, IRS form 8281, IRS form 8283, the name and address of the original creditor, as well as SSA 89 showing the authorization from XXXX XXXX XXXX to use his private intellectual property. 

On XX/XX/XXXX, I, XXXX XXXX XXXX, received a threatening letter from XXXX XXXX XXXX, claiming to be an Attorney for XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX threatened XXXX XXXX XXXX, and XXXX XXXX XXXX, that he intended to steal the property of XXXX XXXX, and XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah. 

On XX/XX/XXXX, XXXX XXXX XXXX, exercised his Right of Rescission and notified XXXX XXXX XXXX XXXX, SELECT PORTFOLIO SERVICING, INC., as well as XXXX, XXXX XXXX XXXX, XXXX. XXXX says that " When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. '' On XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX. did allegedly sell the property commonly known as XXXX XXXX XXXX XXXX, XXXX XXXX, Utah, to XXXX XXXX XXXXXXXX, XXXX, to the detriment of XXXX XXXX XXXX, and XXXX XXXX XXXX. It is my belief that XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, P.C., SELECT PORTFOLIO SERVICING, INC, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXXXXXX, XXXX, and other unnamed Corporations pretending to be Judicial facilities, are conspiring to unjustly enrich themselves by stealing and selling property from others, utilizing the courts to help them, and evading taxes. The failure to provide the necessary documents to prove they have lawful authority to engage in the conduct above, shows their willful intent in their possible/probable Corporate money laundering and tax evasion scheme. 

On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent for XXXX XXXX XXXX, XXXX, XXXX on XXXX XXXX XXXX XXXX XXXX property to threaten to remove XXXX XXXX XXXX XXXX XXXX property. XXXX XXXX provided XXXX XXXX XXXX a business card. The business card provided asserts that XXXX XXXX is the Senior Project XXXX for XXXX XXXX, not XXXX XXXX XXXXXXXX, XXXX. Using multiple XXXX to hide nefarious activity being done by various actors XXXX be common among criminal tax evaders and thieves. 

XXXX PROPERTIES XXXX, XXXX, ( and/or XXXX HOMES XXXX XXXX law firm XXXX | XXXX to threaten and extort XXXX XXXX XXXX XXXX XXXX the private, for profit, court, known as the JUDICIARY COURTS OF THE STATE OF UTAH, XXXX and XXXX number - REDACTED. Private administrators pretending to be Judicial Officials, aided and abetted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX attorney 's for XXXX | XXXX ), XXXX, XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX attorney 's for XXXX, XXXX & XXXX XXXX XXXX. ), and SELECT PORTFOLIO SERVICING, XXXX in the theft of property, and unjustly enriched themselves in the process. 

On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent of XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX with an ARMED man, used threats of force to remove XXXX XXXX XXXX and her offspring from her abode at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah. XXXX XXXX, who purported to be an employee/agent for XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX card which identifies the business that XXXX XXXX XXXX for as XXXX XXXX  XXXX 

I, XXXX XXXX XXXX, have never given XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, SELECT PORTFOLIO SERVICING, XXXX, XXXX XXXX XXXX, XXXX, and/or XXXX, XXXX & XXXX XXXX XXXX, XXXX to use, sell, or publish my private intellectual property. 

What is the innocent explanation for failure to provide IRS Forms showing compliance with the tax laws? What is the innocent explanation for failing to disclose the account details pursuant to XXXX? What is the innocent explanation for any and all of the above named Companies/Persons using the private intellectual property belonging to XXXX XXXX XXXX XXXX XXXX consent? What is the innocent explanation for not following the law as written by congress in title 15 United States code chapter 41 section 1635 ( b )?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation