Consumer complaint received 2019-03-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The extortionists have confirmed that they will foreclose on a XXXX balance I DO NOT OWE. 
I HAVE LITERALLY PAID OVER ONE MILLION DOLLARS for the {$210000.00} some actually gave to me and an {$82000.00} line of credit that was paid off and released in XXXX. 

Of the XXXX dollar payments I made {$390000.00} was paid to principal and {$220000.00} interest has been reported to the IRS. 

I want the extortionists serving this debt they say I owe to provide me with exact application of the other {$450000.00}. And answer why {$390000.00} didnt pay off the {$82000.00} second mortgage AND the {$260000.00} First mortgage!? 

This left {$44000.00} that paid the {$44000.00} paid to credit cards from the second mortgage I already paid! 

In addition the XXXX 1st mortgage paid off {$260000.00} at XXXX in XXXX. 

I believe this amount paid off a loan on my duplex on which XXXX XXXX foreclosed for a {$53000.00} balance. I believe this balance is the remaining amount due on a {$260000.00} loan! This loan was released for the SECOND TIME in XXXX. + + a XXXX second mortgage that was subordinated to the loan on my duplex then paid off and released in XXXX. 
Next a second {$260000.00} loan was released AGAIN for the second time in XXXX. 

I NEVER HAD A {$260000.00} line of credit! 
I did not sign nor agree or informed of any XXXX mortgage that apparently they think secured the UNSECURED credt cards DISCHARGED IN  BANKRUPTCY! In addition I believe I already paid back 100 % of the principal balances of these cards. 
Moreover these cards were used to pay the disbursements to taxes and insurance for which I ALREADY PAID! These cards were - no - WERE THESE CARDS PREPAID? 

The bankruptcy I filed in XXXX to keep my house ( but they took the duplex anyway ).

Wasnt discharged until XXXX. 

DID ANY OF THE PAYMENTS I HAVE MADE TO THE MODIFICATION GO TO CREDIT CARDS? 

If so I want them to provide proof to XXXX XXXX and to the XXXX vs XXXX settlement for which my claim was denied for lack of documentation- I CAN NOT PROVIDE! I believe that {$190000.00} assets abandoned by the trustee was the money I paid to a VA loan I DID NOT MORTGAGE. NO ONE GAVE ME ANY MONEY. I PAID OFF THE SELLERS LOAN. 

I PAID ALL 345 payments + {$5100.00} to a XXXX {$33000.00} loan. I also paid all of the taxes and insurance due and disbursed. I paid the seller {$10000.00} to assume a {$31000.00} balance in XXXX. There were no taxes paid after XXXX. Insurance was paid through XXXX. I forwarded the {$1600.00} refund to the buyer ( although I just realized all of it was mine. ) I dont want them to pay me back by paying {$1900.00} on my house this year. I want them to pay me back the {$54000.00} that paid off my duplex to XXXX XXXX and give me back the full {$260000.00} value they thought my duplex was worth. 

The extortionists need to use the {$190000.00} in the escrow account and the extra {$100000.00} Ive paid since to pay off this {$200000.00} balance I have already paid and dont owe. 

The Cfpb needs to piece all of this together for the one first mortgage Ive paid off to XXXX XXXX XXXX  and XXXX XXXX ( fleet ). 
The ONE second mortgage I paid off at XXXX XXXX XXXX and XXXX The one loan on my duplex I paid off to XXXX XXXX and XXXX ( and XXXX ) This is outrageous unless it is legal to steal {$720000.00} a duplex my house and my reputation. for which I have now paid including the apparently prepaid credit cards It seems Ive paid twice. And my duplex for a FRAUDULENT LOAN WHAT IS THE CONSUMER PROTECTION BUREAU GOING TO DO ABOUT THIS? 

The money is now being laundered through XXXX XXXX series 113.

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