Consumer complaint received 2019-11-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX Certify Mail : XXXX XXXX XXXX XXXX XXXX SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX Mortgage MIN # XXXX XXXX XXXX Account : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, current owned by XXXX XXXX under XXXX name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPS acc # XXXX Dear SPS Loan Servicer : This is a Qualified Written Request pursuant to the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ).  SELECT PORTFOLIO SERVICING INC ( SPS ) is the servicer of our mortgage loan at the above address. I dispute the amount owed according to your recent Financial Statement called SPS transaction History. Exhibit 1 Since 2013, SPS have being falsely claiming that XX/XX/XXXX is the holder of the Note of Mortgage. 

In other hand XXXX XXXX XXXX have denied to the Consumer Protection Financial Bureau ( CPFB ) be the owner of Mortgage or Trustee of complainant Mortgage. 

On XX/XX/XXXX XXXX XXXX XXXX also denied being the owner of Mortgage account and stated that no such account in their records as SPS have being falsely claiming. See Exhibit 2 Evidence show that XX/XX/XXXXis not the Trustee of the Mortgage since XX/XX/XXXX. 
Also, SELECT PORTFOLIO SERVICING INC ( SPS ) is not the servicer of the Mortgage, either. 

NEW EVIDENCE New evidence show that SPS, according US Securities and Exchange Commission ( SEC ) records shows that pooling servicing Agreement  ( PSA XXXXXX/XX/XXXX Asset-Backed Pass-ThroughCertificates ACE XXXX was purchased by XXXX XXXX on XX/XX/XXXX and all of its the residential mortgage ( RMBS ) place into the new PSA called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which consolidated different type commercial and residential pooling Servicing Agreements. 

SELECT PORTFOLIO SERVICING has failed to correct those errors or release Complainant Mortgage. Instead SPS have being claiming a false debt, and assessing fraudulent fees and attorney fees for more than XX/XX/XXXX over mortgage debt, in violation of the Mortgage stipulations. 

ATTORNEY FEES XX/XX/XXXX {$XX/XX/XXXX {$XX/XX/XXXX ____________________ Total {$XXXX} On XX/XX/XXXX SPS created, executed fraudulent documents like Limited Power of Attorney to claim authority to foreclosure complainant property. This document was recorder after the sales of XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Asset-Backed Pass-ThroughCertificates ACE XXXX. It constitute a flagrant FRAUD. 

On XX/XX/XXXX, SPS purporting to transfer the subject mortgage lien to itself. Plaintiff never has been owner of the Note claimed in the core of action falsely called VERIFIED FORECLOSURE COMPLAINT. 

In order act on behalf XX/XX/XXXX, SPS purported a Limited Power of Attorney, one ( 1 ) year and six ( 6 ) months after the sale of XXXX XX/XX/XXXX XXXX ( FRAUD ). Exhibit 3 THE FOLLOWING INFORMATIONS IS REQUESTED : 1. Complete payment history, including the dates and amounts of all the payments I have made on the loan till date ; 2. Copy of updated/current Power of Attorney signed by XXXX XXXX XXXX XXXX giving SPS to act of its behalf to foreclosure or modify the above Mortgage. 

3. Breakdown of the amount of claimed as arrears or delinquencies, including an itemization of all fees charged ; 4. The payment dates, purpose of payment and recipient of any and all foreclosure fees and costs charged to my account for a total of {$XX/XX/XXXX}. 

Legal fees PERIOD XXXX a ) XXXX & XXXX ... {$XX/XX/XXXX}, XXXX b ) UNDISCLOSED LEGAL FEES. {$XX/XX/XXXX c ) XXXX XXXX XXXX ... {$XX/XX/XXXX} d ) XXXX XXXX XXXX. {$XX/XX/XXXX} e ) XXXX XXXX XXXX XXXX XXXX. {$XX/XX/XXXX} f ) XXXX & XXXX XXXX {$XX/XX/XXXX} g ) XX/XX/XXXX XXXX XXXX XXXX {$XX/XX/XXXX} TOTAL {$XX/XX/XXXX}, XXXX 5. The payment dates, purpose of payment and recipient of all escrow items charged to my account since 2013 when SPS took over the servicing ; 6. Breakdown of the current escrow charge showing how it is calculated and the reasons for any increase within the last 24 months ; and 7. Copy of any annual escrow statements and notices of a shortage, deficiency or surplus, sent to me within the last three ( 3 ) years. 

8. A sworn statement that US Securities and Exchange Commission ( SEC ) information is wrong, incorrect. That and that the current Trust is XXXX XX/XX/XXXX, no XXXXXX/XX/XXXXXXXX. 

9. SPS should removed all fraudulent and excessive attorney fees that are in violation of the mortgage agreement. 

10. Thank you for taking the time to acknowledge and answer this request as required by the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). The requested information is due within 10 business days. 


Sincerely, XXXX XXXX Property :XX/XX/XXXX, Fl XXXX cc : XXXX District Bankruptcy Court case # XXXX XXXX County Court case XXXX XXXX

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