Consumer complaint received 2020-02-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Plaintiff submits this complaint only as it violates separate federal consumer law, not as a plaintiff in a law suit. I want you to look at it from just CFPB rules violated only! I am demanding that this agency investigate and enforce these violations.SEE : Executive Order XXXX  of XX/XX/XXXX : Promoting the Rule of Law Through Transparency and Fairness in Civil Administrative Enforcement and Adjudication. https : XXXX-and XXXX actually held the CONCEALED Note and the original Note in their vault. The newer Note was not filed with the XXXX CT state complaint, XXXX concealed it, as would SPS  when they became servicer. XXXX XXXX  issued Plaintiff a Note with XXXX Payments of {$10000.00} when he could hardly pay {$3000.00}, after they canceled the original Note. XXXX XXXX then instructed XXXX to conceal the second Note and to sue Plaintiff on the Note with XXXX Payments of {$10000.00}, but sent statements on Payments of {$10000.00}, the new concealed modified Note. XXXX XXXX, XXXX and SPS are mandated by state and federal law to do the right thing when mortgage lending, communicating with borrowers and in their representations and communications with the court. XXXX and XXXX XXXX  made the fateful decision on XX/XX/XXXX to file, in bad faith, a complaint on an expired Note and Security Instrument. At the same time, all defendants would end up suppressing and concealing the newer, but still illegal, modified Note and Security Instrument because it showed that XXXX XXXX broke the law by issuing an unsuitable adhesion modified Note and Security Instrument designed to replace the wrongful originated Note and Security Instrument to benefit only themselves by suppression of the wrong doing by XXXX in the originating Note and Security Instrument. Were there other ulterior motives not to correct Plaintiffs Note and Security Instrument? Instead of fixing both wrongful Note and Security Instruments,  allowing Plaintiff to survive in business and in personal health, XXXX XXXX, XXXX and SPS caused, and are liable for, great economic and emotional loss for Plaintiff who acted in good faith and tried to compromise repeatedly for five years.Plaintiff claims distress from constant ( XXXX   ) critogenic pressures. The acronym ( XXXX  ) stands for XXXX XXXX XXXX XXXX XXXX, as Plaintiff terms it. See What Roles Do Emotions Play in the Law? at  XXXX This case is about XXXX XXXX XXXX caused by 1,000s of individual stressful events, both phone and litigation, inflicted by all Defendants whose work intertwined with each of the others, working together over a ten-year period to collect money that Plaintiff did not have, or owe for that matter, i.e. on the invalidated Note. This case is not about money for moneys sake. It is about money for injuries and rampant abuse of the suppression of rightful evidence that would show liability that extended the duration of unreasonable harassment in the court and on the phone that would have allowed Plaintiff relief from the totality of all injuries, physical, emotionally and economical, inflicted by XXXX XXXX, XXXX and SPS, a XXXX XXXX collection frim. Furthermore, this case is not about losing a property. It is about injuries inflicted during the loss of Plaintiffs home. XXXX XXXX   received money from the sale of Plaintiffs property, by way of conversion, because it was taken improperly by using the invalid XX/XX/XXXX original Note # 1 terminated on XX/XX/XXXX that the court was led to believe were in good order. Judge, you were deceived. You have been Noticed of broken laws. Plaintiff Moves the court to properly adjudicate this matter. Neither the district court or the Magistrate court had nor have Plaintiffs permission to disregard the totality of his circumstances, respectfully but with true concern. His intention from day one was to include the totality of all circumstances. Plaintiff Moves the court to include the totality of circumstances and if not explain why not. This is another bit of proof that XXXX XXXX   and SPS were allegedly guilty of improper prohibited process and abuse of the law. Not once did any Defendant attempt to properly Notice the state court of the concealed prohibited modified XX/XX/XXXX Note # 2 that was concealed that would have benefited Mr., where conflicting issues remain. Plaintiff filed this lawsuit against two bank companies and one loan servicing company Defendants XXXX XXXX  XXXX XXXX. XXXX et al, XXXX XXXX XXXX, et al and Select Portfolio Servicers , Inc., et al as aggressors with alleged liability and causation for improper litigation on an irrelevant Note and Security Instrument when the relevant modified Note and Security Instrument was being concealed. And as aggressors with excessive unreasonable collection call behaviors and methods that caused Injured Party, a XXXX Veteran, to suffer extraordinary long-term harm and injuries that compounded. Plaintiff s individual injuries from bank and servicer overkill accumulated, pushing him down mentally and physically, with each event over duration of ten years ( XX/XX/XXXX-XX/XX/XXXX ). This continued EVEN AFTER Plaintiff told them repeatedly that he was already injured physically and mentally, that he had XXXX, that he did not want the calls to continue and to cease and desist, and astoundingly, after they put in writing that they would stop calling him. Yet they continued to call him, even calling and recording him twice, after he again complained. Much of what Plaintiff complained about was never recorded in their logs by Chases callers. Each distressful prohibited communication and prohibited litigation event built upon the last prohibited communication and prohibited litigation event. This constant harassment eventually drove Plaintiff out of business and into a XXXX  XXXX because he had to spend all of his time and money defending against prohibited calls and prohibited litigation. Each call on the illegal irrelevant original Note, while the relevant Note was being concealed felt like being stabbed over and over again with a pen knife. It is intended to cause discomfort in order to entice late payments to be paid. Politely calling once or twice is not unreasonable. But calling over 250 times after you told them to stop would be horrendous to any average person. Only an XXXX XXXX XXXX   would not be able to see that as it would apply to someone suing and calling with such disregard for legal procedure that would give the appearance of the collapse of the rule of law. It shows that they can not put themselves in another persons shoes. And that does not include THE DURATION of ten years of all of the improper, horrifying and traumatic litigation procedural abuse on the irrelevant original Note on a Plaintiff with the injuries herein. Plaintiff was and is entitled to closure from improper harassment, and on terms that are legal. This does not include hundreds of other calls in other concealed and suppressed XXXX and XXXX phone logs. Plaintiff sued all Defendants on the totality of thousands of litigation events and calling events that referred to the litigation events that caused him emotional ( and physical ) distress including suppression by causing thousands of intimidating misleading communication events by phone, misleading mail, misleading email and wrongful misleading litigation and unreasonable excessive misleading collection communication, combined with unreasonable delay, and suppression of Plaintiff s right to Due Process. The combination of the never-ending improper litigation harassment communication events and improper collection mail and telephone intrusion upon seclusion communication events, including all statements sent to plaintiff on the Note # 2, which they never filed in XXXX XXXX Records, after being told to stop, for ten years, over and over and over again, on invalidated documents filed where the state court was led to believe that the papers filed were valid and in good order. However, these were invalid original Note # 1 papers, filed by lawyers who took it upon them selves outside the law to suppress, conceal, exclude and omit valid, ( vital to justice ), contract documents they decided should be suppressed. All you have to do is ask the defendant 's if they filed the modified Note in CT state court. It was the duration and repeated inflictions of thousands of individual tele-harassment and wrongful litigation harassment events, ( XX/XX/XXXX caused XX/XX/XXXX), events for ten years on an illegally filed, expired original Note and Security Instrument while concealing the true nature of the modified Note. Objection : IT WAS NOT JUST PHONE CALLS. IT WAS EVERYTHING THEY WERE DOING IMPROPERLY THAT CAUSED PLAINTIFFS BUSINESS TO CRUMBLE AND FROM XXXX XXXX XXXX. The Defendant 's used this harassment formula because it kept pushing Plaintiff down, so far that, after a while he could not get up, and many times literally. The Core of Plaintiffs CFPB COMPLAINT is Defendants liability for allegedly inflicting debilitating emotional distress, un-reasonably inflicted upon Plaintiff XXXX after he told them to stop, caused by the duration of the totality of circumstances, of 1,000s of improper litigation and collection telephone and letter communication events on a suppressed, concealed and omitted prohibited XX/XX/XXXX modified Note and Security Instrument and while they sued Plaintiff in state court on a XX/XX/XXXX Note and Security Instrument with discharged terms and conditions. Defendants harassed Plaintiff for ten years on an invalid Note while concealing the valid superseding Note. See attached

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