Consumer complaint received 2019-08-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please allow me to respond to Select Portfolio Servicing, INC.s ( SPS ) XX/XX/XXXX response to CFPB ( XXXX ) and XX/XX/XXXX ( XXXX ) XX/XX/XXXX response to CFPB ( XXXX ), as well as SPSs XX/XX/XXXX response to XXXX XXXX of the New York State Department of Financial Services . As the following will indicate, there remains numerous inconsistencies and concerns with both the actions of XXXX and SPSs continued and past unscrupulous actions. 
First, SPS states, SPS currently has the authority to process Assignment of Mortgage ( AOM ). SPS is confident our processing of any AOMs is valid and compliant, and we find no merit to the claim of fraudulent AOMs. I disagree. Since SPS failed to provide me a copy of the AOM, I obtained a copy myself. It lists SPS as the assignor as Attorney In Fact for XX/XX/XXXX, yet no written power of attorney from XX/XX/XXXX to SPS is attached to the AOM. Does one exist? Has XXXX given SPS Power of Attorney? The AOM was prepared and submitted by XXXX XXXX XXXX, not SPS. XXXX XXXX XXXX is located in XXXX XXXX, MO and SPS is located in XXXX XXXX XXXX, UT. How does that Notary process work? Did the Notary in UT fly to MO to notarize the document prior to XXXX XXXX XXXX submitting via simplifile? The Assignee is listed as XXXX XXXX XXXX XXXX, as indenture trustee, for the holders of the CIM Trust XXXX, yet the allonge to the note provided in SPSs response is XXXX XXXX XXXX  XXXX. What about SPSs Validation of Debt Notice correspondence dated XX/XX/XXXX, stating SPS was collecting debt on behalf of CIM Trust XXXX, the investor who currently owns your mortgage loan. Additionally, XXXX states they sold the loan to XXXX XXXX XXXX on numerous occasions, yet no documentation has been provided substantiating these transactions. The AOM states, For value received, the Assignor does hereby grant, sell, assign, transfer and convey, unto the above-named Assignee all interest under that certain Mortgage Dated XX/XX/XXXX, in the amount of {$32000.00}, executed by XXXX XXXX XXXX AND XXXX XXXX XXXX, Husband AND Wife to XXXX XXXX XXXX XXXX and Recorded XX/XX/XXXX, instrument # XXXX in XXXX County, State of New York. It also contains the property address as XXXX XXXX, XXXX, NY XXXX and absolutely no legal description of the alleged security interest. My review of said recorded mortgage indicates the mortgage has an address of XXXX XXXX XXXX, XXXX NY XXXX in the amount of {$32000.00}, which are both inconsistent with the AOM SPS allegedly legally recorded. It is my opinion, SPS did not record the legal description because, as they have been informed, they know it neither matches the note or the mortgage making it void. However, in true SPS fashion, they continue to misrepresent the facts in order to deceive and/or manipulate all interested parties to their benefit. They continue their Ponzi scheme in order to defraud the American public. Both the AOM and Allonge to the note is signed by XXXX XXXX, Document Control Officer. I am uncertain if this is a real individual or not. 
Secondly, SPS states, Please be advised SPS has requested all recorded assignments, and they will be sent under a separate cover. Ive never received, nor do I believe they even exist. 
Thirdly, SPS states in its correspondence to the New York State Department of Financial Services,  In the inquiry, Mr. XXXX requested an update on the foreclosure process on the account. Due to the status of the account, we will not be pursuing foreclosure. What is the status of the account then? Why does SPS continue to send mortgage statements? Why has SPS not filed a valid probate claim against the estate of XXXX XXXX XXXX? I surmise it is because there is no valid account, valid mortgage, or valid note. Additionally, this seems to be contrary to previous documentation I have received including a XX/XX/XXXX Mortgage Statement that states, SPS has referred your account to an attorney for legal action. 
Fourthly, SPS states in its response to the New York State Department of Financial Services regarding property inspections, There may be occasions when more than one inspection is required, such as when an account is delinquent with limited customer contact. Its remarkably ironic, SPS stopped inspections, forced placed insurance and sent notice of closure of an escrow account shortly after my complaint being filed. However, this does not negate the past fraudulent inspections, BPOs, forced placed insurance and misc. fees erroneously charged to the alleged account during the time preceding this complaint for a property they have no security interest or standing to enforce. 
Lastly, it is evident both XXXX and SPS continue conspire to defraud and prey on unaware private citizens as well as state and local governments/officials and continue to go unchecked or held accountable. My attachments provide my evidentiary documentation, and as the Fiduciary for the Estate of XXXX XXXX XXXX, I continue to dispute and reject any claims from XXXX or SPS and affiliates. 

PS : CFPB website would not accept attachments, therefore, they have been sent to interested parties under separate cover.

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