Consumer complaint received 2017-11-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I purchased my home in XXXX XXXX. Shortly after acquiring this property, Select Portfolio Servicing out of Utah started harassing me with notices they have a messenger of some sort ( always a different individual ) hang on my front door. It makes me tremendously uncomfortable to have these messengers on my property during the day when I 'm not home. For months, now years, I have sent back their notices indicating that I do not have a mortgage on this property with Select Portfolio Servicing. They have been mailing things to a " XXXX XXXX '' for years now. I have returned dozens of pieces of their mail, each time marking " No longer resides here. '' I have told their messengers over and over that XXXX XXXX does not live here and has n't for at least 9 years, given the gentleman that resided, thru a Lease, in this property for the previous 5 years to my owning it was a friend of mine. 

I have called Select Portfolio Servicing Dept over and over and explained this to them ... .that I purchased the property in XXXX and have a Policy of Title Insurance that reflects that. I asked them over and over to pull of a Chain of Title to confirm that. Each time they tell me " That 's your responsibility to prove this to us. We are not in a position to pull that information. '' This is alarming, given they are a Servicing company and this information is all of public record.
A few months ago, Select Portfolio Servicing hired a law firm, XXXX XXXX XXXX, out of XXXX, Ca that began harassing me. I called this law firm three times and explained the situation, asking them to pull up a Chain of Title. This is when I learned the debt that Select Portfolio Servicing is attempting to collect is for a mortgage going back to XXXX. This property has changed ownership at least twice since then. I pleaded with this law firm to stop harassing me and sending me notices that they are going to foreclose on my home and that it was extremely upsetting. They send me Notices of Default as well threatening to take my home. They also refuse to research this to confirm.
I have called Select Portfolio Servicing again and again, after going thru their very time-consuming phone system each time, and explained all of this, pleading for them to research the Chain of Title. I got to a Supervisor that said he would investigate. When I tried to reach him a week later, he will not return my call.
My name has now also been transmitted to 100 's of companies that are now mailing me information to offer to assist with debt collection. One of my neighbors received a notice by mistake and brought it to me ; now they think I 'm being foreclosed upon. I am also getting phone calls now from random vendors. This can damage my reputation as I have worked in the XXXX XXXX for 25+ years and know people in various companies throughout the country. 

No matter who I call and explain this to, no matter how many times I explain I have had Title to this property for 4 years now, and have refinanced it subsequently, Select Portfolio Servicing nor XXXX XXXX XXXX will stop harassing me. I get 3 - 5 pieces of mail per day now from various companies all over the country. 

This has upset me to no end, making me sick at times, as I have always handled financial obligations responsibly, know how serious a foreclosure is, and I am deeply concerned this is going to affect me personally and that they are somehow going to figure out a way to put my house up for sale, damage my credit, etc. I have had to take hours away from work to continue to contact them. After all of this, they continue to refuse to research the Chain of Title, help me, stop harassing me, etc.
Further in today 's world with all the cyber fraud, the fact that my personal info is being distributed to vendors all over the country, for erroneous reasons, is highly alarming.
I need some help please and some counsel as to how to proceed to get Select Portfolio Servicing and XXXX XXXX XXXX to stop harassing me. 

Thank you, XXXX XXXX ( XXXX ) XXXX-XXXX

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