Consumer complaint received 2019-03-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX To : SELECT PORTFOLIO SERVICING INC ( SPS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re. : SPS account # XXXX Forclosure cas # XXXX Mortgage MIN # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX Fl XXXX POOLING AGREEMENT XXXX XXXX XXXX., XXXX NOTICE OF VERIFICATION DEBT This Notice of Verification is given for the following reason, the undersigned have been victim of SELECT PORTFOLIO SERVICING INC ( SPS ) fraudulent and poor and malicious accountings statements. I found serious activities of FRAUD from your legal representative XXXX XXXX XXXX. The account statements in support of you Frivolous and Wrong Complaint of Foreclosure, on behalf the fake trust XXXX XXXX  XXXX XXXX XXXX is unacceptable. SPS and XXXX XXXX XXXX have submitted misleading and non accurate informations and purported documentations as Mortgage Note. We request you to correct, fix all errors in your financial statements and the later XXXX XXXX XXXX XXXX statement. 

1. The Fraudulent statement from XXXX XXXX XXXX dated XX/XX/XXXX falsely claiming {$340000.00}. Previously Default letter of {$400000.00} was objected and XXXX XXXX XXXX failed to validate. Exhibit 1. 

2. Select Portfolio Servicing Default letter XX/XX/XXXX {$110000.00}. This false Default letter was disputed, and you failed to verified it at time. Exhibit 2 3. But in violation of 15 U.S. Code 1692g ( c ) SELECT PORTFOLIO SERVICING has used the portion for Disputed Debts in court, in support of a Motion for Summary Judgment ( see Foreclosure Exhibit J foreclosure case # XXXX Docket # XXXX ). The debt collector shall cease collection of the debt, or any disputed portion. Also, stop any legal action with those fraudulent information. 

4. Court records shows that SPS falsely stated that homeowner owed by XX/XX/XXXX is {$260.00}, XXXX, but when you checking the support exhibit dated XX/XX/XXXX, the amount is totally different {$330.00}, XXXX. SPS account is deceptive and misleading ( FRAUDULENT ). Exhibit 3 5. On XX/XX/XXXX You statement acknowledge a homeowner payment of a total of {$95000.00}. This payment is not reflected in those fraudulent statement and false letter of Default Letter.

SPS and its representatives, XXXX XXXX and XXXX XXXX, as Document Control Officers has committed perjury on your behalf submitting false evidences and conclusive statements under Oath to court in the Foreclosure Complaint, Amend Complaint and Motion in support Final Judgment ( FRAUD ON THE COURT ) In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide homeowner with the following : 1. Real name of the owner of the Account, record show that XXXX XXXX   has never been owner of the Account as Trust. There is serious inconsistencies XXXX XXXX XXXX MIN # XXXX has never being part of Pooling Agreement XXXX XXXX XXXX. HOME EQUITY LOAN TRUST, SERIES XXXX, XXXX XXXX PASS-THROUGH CERTIFICATES. ( See limited Power of Attorney dated XX/XX/XXXX ) Exhibit A 2. Date that the supposed Trust acquired the Mortgage loan MIN # XXXX 3.  Disclose Pooling Agreement information ; Pool ID or Security XXXX # 4. Disclose XXXX SERIES # 5. Copy of all Alloges and Pooling transfers in connection with your claim of Ownership of the Mortgage Note. 
6. The agreement bearing my signature stating that I have agreed to assume the debt 7. Valid copies of the debt agreement stating the amount of the debt and interest charges 8. Complete payment history on this account along with an accounting of all additional charges being assessed/ complete history payment from all Debt collectors used in the past 10 years 9. Default date of Mortgage 10. Proof that the Statute of Limitations has not expired 11. Evidence that you has not breach of the XXXX XXXX Mortgage agreement. 


If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation