Consumer complaint received 2019-11-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX Certify Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX Mortgage MIN # XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XXXX, current owned by XXXX XXXX under PSAs name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX : This is a Qualified Written Request pursuant to the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is the mortgage note holder of our mortgage loan at the above address. I dispute the ownership of the note and amount owed. 
NOTE : A WRITTEN RESPONSE IS REQUESTED. 

Since XX/XX/XXXX, the servicer have being falsely claiming that XXXX XXXX  XXXX is the holder of the Note of Mortgage. 

In other hand XXXX XXXX XXXX have denied to the Consumer Protection Financial Bureau ( CPFB ) be the owner of Mortgage or Trustee of complainant Mortgage. 

On XX/XX/XXXX XXXX XXXX  XXXX also denied being the owner of Mortgage account and stated that no such account in their records, but have failed to provide Borrower with a written response. 

Evidence show that XXXX XXXX is not the Trustee of the Mortgage since XX/XX/XXXX. 

NEW EVIDENCE New evidence show that XXXX is not Trust of the Mortgage according US Securities and Exchange Commission ( SEC ) records shows that pooling servicing Agreement ( PSA ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XXXX Asset-Backed Pass-ThroughCertificates XXXX XXXX-XXXX  was purchased by XXXX XXXX on XX/XX/XXXX and all of its the residential mortgage ( RMBS ) place into the new PSA called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX, which consolidated different type commercial and residential pooling Servicing Agreements. 

XXXX has failed to correct those errors or release Borrower Mortgage. Instead the servicer have being claiming a false debt, and assessing fraudulent fees and attorney fees for more than {$200000.00} over mortgage debt, in violation of the Mortgage stipulations. 

ATTORNEY FEES XX/XX/XXXX-XX/XX/XXXX {$200000.00} XX/XX/XXXX-XX/XX/XXXX {$9100.00} ____________________ Total {$200000.00} On XX/XX/XXXX XXXX created, executed fraudulent documents like Limited Power of Attorney to giving servicer authority to foreclosure Borrower property. This document was recorder after the sales of PSA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Asset-Backed Pass-ThroughCertificates XXXX XXXX-XXXX. It constitute a flagrant FRAUD. 


The fraudulent Limited Power of Attorney, was created or purported one ( 1 ) year and six ( 6 ) months after the sale of XXXX XXXX XXXX-XXXX ( FRAUD ). 

THE FOLLOWING INFORMATIONS IS REQUESTED : 1. Complete payment history, including the dates and amounts of all the payments I have made on the loan till date ; 2. Copy of updated/current Power of Attorney signed by XXXX XXXX XXXX XXXX giving SPS to act of its behalf to foreclosure or modify the above Mortgage. 

3. Breakdown of the amount of claimed as arrears or delinquencies, including an itemization of all fees charged ; 4. The payment dates, purpose of payment and recipient of any and all foreclosure fees and costs charged to my account for a total of {$200000.00}. 

Legal fees PERIOD XX/XX/XXXX-XX/XX/XXXX a ) XXXX & XXXX ... {$55.00}, 999.05 b ) UNDISCLOSED LEGAL FEES. {$65000.00} c ) XXXX XXXX XXXX ... {$950000.00} d ) XXXX XXXX XXXX. {$9700.00} e ) XXXX XXXX  XXXX XXXX XXXX... {$940.00} f ) XXXX & XXXX ... {$750.00} g ) XXXX XXXX XXXX XXXX {$340.00} TOTAL {$140.00}XXXX XXXX XXXX. The payment dates, purpose of payment and recipient of all escrow items charged to my account since XX/XX/XXXX when SPS took over the servicing ; 6. Breakdown of the current escrow charge showing how it is calculated and the reasons for any increase within the last 24 months ; and 7. Copy of any annual escrow statements and notices of a shortage, deficiency or surplus, sent to me within the last three ( 3 ) years. 

8. A sworn statement that US Securities and Exchange Commission ( SEC ) information is wrong, incorrect. That and that the current Trust is XXXX XXXX no XXXX XXXX  XXXX. 

9. SPS should removed all fraudulent and excessive attorney fees that are in violation of the mortgage agreement. 

10. Thank you for taking the time to acknowledge and answer this request as required by the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). The requested information is due within 10 business days. 


Sincerely, XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX cc : XXXX XXXX Bankruptcy Court case # XXXX XXXX County Court case # XXXX

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