Consumer complaint received 2021-10-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
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:
Select Portfolio Servicing, Inc is attempting to collect a debt on behalf of XXXX XXXX XXXX. Select Portfolio Servicing, Inc., purports to be a mortgage servicer servicing a loan on behalf of an investor by the name of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX as TRUSTEE OF CERTIFICATE HOLDER MULTI-CLASS MORTGAGE PASS-THROUGH CERTIFICATES, CHASE FLEX TRUST SERIES 2007-3. 
However, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX as TRUSTEE OF CERTIFICATE HOLDER MULTI-CLASS MORTGAGE PASS-THROUGH CERTIFICATES, CHASE FLEX TRUST SERIES 2007-3 ; has contended that they are not the owner of the loan, they are not the owner of the land nor are they in any way shape or form involved with any foreclosure proceedings. 
Naturally, Select Portfolio was asked to : Validate the Debt, Provide Accounting, Verification of Claim from their alleged client the XXXX XXXX XXXX XXXX XXXXXXXX, A copy of the contact that binds both parties with signatures by both and or all parties, A Copy of any and all invoices from XXXX  XXXX XXXX XXXX XXXX XXXXXXXX showing XXXX XXXX XXXX owes a debt to them, Any and all other proof a debt is owned to their alleged client XXXX XXXX XXXX XXXX XXXX XXXX 
The same questions have been asked for years and Select Portfolio has not been able to provide any of the documents enlisted above. It is clear, a debt is not owed to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, Select Portfolio Servicing, Inc keeps accelerating a fake debt on their behalf, which triggers the advertisement of a Non-Judicial Foreclosure Sale. This is not legal or lawful nor can they legally or lawfully foreclose on behalf of XXXX XXXX XXXX XXXX XXXX XXXX when XXXX XXXX XXXX XXXX XXXX XXXXXXXX stated on several different occasions by several different forms of communication that they in fact are NOT THE OWNER OF THE LAND OR HOME. An error has been made on the account that Select Portfolio Servicing Inc illegally holds on behalf of XXXX XXXX XXXX. Select Portfolio Servicing Inc. are not interested in correcting the problem. If anything, they stand to financially gain from this error by imposing a debt that Select Portfolio Servicing, Inc nor XXXX XXXX XXXX XXXX XXXX XXXXXXXX had/have a vested interest in. Which means they would foreclose and profit from the proceeds even though they never made a vested interest in the collateral of the home or alleged mortgage note. Both Select Portfolio and XXXX XXXX XXXX XXXX have violated : 15 USC 1692d 806 ( 3 ) 2. ) 15 USC 1692d 806 ( 4 ) 3. ) 15 USC 1692d 807 ( 2 ) ( A ) ( B ) 4. ) 15 USC 1692d 807 ( 4 ) 5. ) 15 USC 1692d 807 ( 5 ) 6. ) 15 USC 1692d 807 ( 9 ) 7. ) 15 USC 1692d 807 ( 10 ) 8. ) 15 USC 1692d 807 ( 14 ) 9. ) 15 USC 1692d 808 ( 1 ) 10. ) 15 USC 1692d 808 ( 6 ) ( A ) 11. ) 15 USC 1692d 808 ( 6 ) ( C ) 12. ) 15 USC 1692d 809 ( b ) 13. ) 15 USC 1692d 808 ( e ) 14. ) 15 USC 1692d 812 ( a ) without prejudice

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