Consumer complaint received 2018-12-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
DEMAND to CEASE & DESEST FINANCIAL EXPLOITATION OF AND ELDER PERSONS, O.C.G.A Sec.30-5-5 Please be advised that XXXX XXXX XXXX. has conspired with Select Portfolio Servicing Inc. to  Financially Exploit me, a XXXX year old elder resident of the State of Georgia , County of XXXX by the illegal or improper use of my resources through undue influence, coercion, harassment, duress, deception, false representation, false pretense, or other similar means for ones own or anothers profit or advantage. 
[ 1 ] The offending parties are unlawfully claiming they hold a legal and lawful secured interest in my property. The Security Instrument they are relying on was voided in XXXX. It is not duly filed, recorded and indexed -- -- The Georgia Supreme said " we must reject XXXX XXXX definition of duly filed, recorded, and indexed. The court said that PRIOR TO XX/XX/XXXX : '' For a deed to be recorded, Georgia law requires that it be signed by the maker ( grantor ) and attested by at least two ( 2 ) witnesses. O.C.G.A. Section 44-5-30. A deed is attested when two or more natural persons see the maker sign the deed and they " attest '' to the fact by signing the deed as witnesses. '' -- -- - the court also said " the deed must be attested or acknowledged by an officer authorized by Georgia statutes. O.C.G.A. Section 44-2-14, 44-2-15. The official witness can be one of the two ( 2 ) required attesting witnesses. If the deed is not attested by an official witness, it may be acknowledged after execution and the acknowledgment certified on the deed by the official witness entitling the deed to be recorded. O.C.G.A. Section 44-2-16.

If there is only one ( 1 ) " attesting '' witness, the deed is not entitled to be recorded, even if the deed is subsequently " acknowledged '' and even if the one " attesting '' witness is an authorized officer.

O.C.G.A. Section 44-2-14. The above requirements are the same for all deeds, regardless of their nature. Therefore, when attestation or acknowledgment is not proper, it must be reported as a title defect. PRIOR TO XX/XX/XXXX : For a deed to be recorded, Georgia law requires that it be signed by the maker ( grantor ) and attested by at least two ( 2 ) witnesses. O.C.G.A. Section 44-5-30. A deed is attested when two or more natural persons see the maker sign the deed and they " attest '' to the fact by signing the deed as witnesses. Also, the deed must be attested or acknowledged by an officer authorized by Georgia statutes. O.C.G.A. Section 44-2-14, 44-2-15. The official witness can be one of the two ( 2 ) required attesting witnesses. If the deed is not attested by an official witness, it may be acknowledged after execution and the acknowledgment certified on the deed by the official witness entitling the deed to be recorded. O.C.G.A. Section 44-2-16. The court said If there is only one ( 1 ) " attesting '' witness, the deed is not entitled to be recorded, even if the deed is subsequently " acknowledged '' and even if the one " attesting '' witness is an authorized officer. O.C.G.A. Section 44-2-14.The above requirements are the same for all deeds, regardless of their nature. Therefore, whenattestation or acknowledgment is not proper, it must be reported as a title defect. 
The offending parties are unlawfully claiming they hold a legal and lawful secured interest in my property. They do not. [ 2 ] The perpetrators are threatening to seizing my property by claiming a legal right to conduct a non-judicially foreclosing. They hold no such recorded interest in my property. 

[ 3 ] Be advised that the perpetrators has intentionally misrepresented to business 's I am doing financial business with that they hold a legally and lawfully collectable debt relative to my property. They do not. 

[ 4 ] Be advised that the offenders has intentionally abused the Georgia non-judicial foreclosure statute by sending and publishing more than 20 false and deceptive, but " state required notices '', nearly one per month to coercion and harassment me into selling or leaving my unsecured property out of fear. 

[ 5 ] BE ADVISED, My spouse and I are FEE SIMPLE absolute homeowners holding GOOD title, and no legally collectable liens on record against my property. See the attached Acknowledgment and Acceptance of the Warranty Deed. See ATTACHMENT-001 [ 6 ] also be advised that CFRA and Georgia Statute expired more than a 2 year ago. XXXX  XX/XX/XXXX- XXXX ( 1 ) AND XXXX ,

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