Consumer complaint received 2018-03-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is an effort to memorialize the fact XXXX XXXX XXXX continues to fail to comply with the Real Estate Settlement Procedures Act ( RESPA ) as stated in Title 12 United States Code, Chapter 27. 

XX/XX/XXXX Select Portfolio Servicing Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXX Fax XXXX XXXX : Notice of Error or Information Request or Qualified Written Request Please be advised that I am in receipt of your correspondence dated XX/XX/XXXX entitled Assistance Review Application. After further review, investigation and due diligence, I continue to challenge that account number XXXX, which your agency purportedly legally services, is valid and enforceable. As such, I contend your company, or any other entity that claims security interest with regards to account number XXXX as invalid. I recommend you and your associates closely review your quality control procedures, which ensures compliance with relevant underwriting guidelines, servicing regulations and applicable laws. I have repeatedly attempted to request information regarding this account, which has only been met with non-compliance, insufficiency, vagueness, and misrepresentation and unconscionable deceit. Therefore, I have little interest in any work-outs regarding this account until such time it can be proven to me that the alleged obligations you claim are legal and enforceable. Therefore, at this time, I rescind all verbal and written offers to cure this alleged obligation. I fully dispute the validity of the alleged debt, ( current and future ), regarding account number XXXX, as claimed by XXXX XXXX XXXX XXXX XXXX. and any associates. I again request the following : 1- Copies of ALL endorsements, recordings, allonges or other indicia of all transfers since note were signed. Specifically, with regards to XXXX XXXX XXXX, per notification on XX/XX/XXXX and XXXX Revolving Trust XXXX by XXXX XXXX XXXX XXXX, XXXX, per notification on XX/XX/XXXX ; 2- Copies of ALL documents pertaining to the origination of alleged mortgage including my parents loan application, Right to Cancel, Deed, Truth in Lending statements, Good Faith Estimate ( GFE ), HUD 1, appraisal including comparable properties, which were used to arrive at the value for the above loan, and all required disclosures. These copies should be legible and all documents shall be copied in their entirety ; 3- Copy of any Broker Price Opinion ( BPO ) conducted in the last 12 months ; 4- A copy of any Pooling and Servicing Agreements and trust agreements associated with account number XXXX or above transactions/notifications as listed in number 1 above ; 5- The address of XXXX Revolving Trust XXXX or account owner, if different ; 6- The address and legal description of alleged mortgaged security interest ( property ) associated with account # XXXX ; 7- A copy of the loan history for last 12 months including pay-off, the current interest rate on the loan, all payments made, all fees incurred to date, what has been paid out of the escrow account and how payments were applied ; 8- If account number XXXX is registered with MERS, provide its MIN number. 

I understand that under Real Estate Settlement Procedures Act ( RESPA ) as stated in Title 12 United States Code, Chapter 27, you are required to acknowledge my request within 5 business days and must respond or try to resolve the issue within 30 business days, unless you notify me of the reasons for the delay before the expiration of the 30 business days, in that case you are allowed an additional 15 business days.

Company response to consumer: Closed with explanation