Consumer complaint received 2015-07-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have received a third debt validation letter thru regular mail from a XXXX XXXX, XXXX, debt Collector, Foreclosure Mill, dated XX/XX/XXXX on behalf of Select Portfolio Servicing as it relates to a claimed debt. My property is also being dual tracked. So while being given XXXX days to respond to this XXXX notice of debt validation, SPS through XXXX XXXX has also filed XXXX foreclosure documents on my property with a sale date of XX/XX/XXXX. 
I DEMAND THAT SPS and XXXX XXXX XXXX, STOP ANY AND ALL FORECLOSURE PROCEDURES IMMEDIATELY AGAINST MY PROPERTY. 
I have warned SPS and XXXX XXXX now on XXXX occasions that they 're servicing and perpetrating a fraudulent loan that SPS acquired from XXXX XXXX XXXX. SPS as a debt collector has NO Agency relationship with XXXX Bank, who claims to be Trustee of a XXXX XXXX XXXX. In a recent XXXX Deposition with SPS, SPS representatives, admitted under oath, that they ca n't prove chain of title past the last servicer, in my case that servicer would be XXXX XXXX XXXX. In XX/XX/XXXX, you can research that the Consumer Financial Protection Bureau stepped in on XXXX for fraud with consumer loans. Among the violations was manufacturing and robo signing documents and passing this FRAUD to other debt collectors. This is the same XXXX who SPS acquired loan and manufactured an Assignment using proven robo signers to Fraudulently attempt to foreclose on my property. Select Portfolio Servicing does not have any legal standing to collect any debt or to order any foreclosure proceedings against my property. I do not owe Select Portfolio Servicing any money. I do not owe XXXX Bank any money. I do not owe XXXX XXXX XXXX any money. I have never signed any documents with Select Portfolio Servicing, XXXX XXXX XXXX or XXXX Bank for any of these companies to be able to claim any debt against me. Let me be perfectly clear, I Dispute Any Debt supposedly owed to Select Portfolio Servicing. I Dispute Any Debt supposedly owed to XXXX Bank. I Dispute Any Debt supposedly owed to XXXX Bank as Trustee. 
I Further Dispute XXXX Banks ' Standing as Trustee for XXXX XXXX Mortgage Loan Trust XXXX according to XXXX XXXX XXXX Law and such XX/XX/XXXX Assignment to a closed Trust. I Dispute that this loan was even included in such said Trust. SPS is knowingly representing in a fraud and I have more than enough proof. 
Over the last XXXX years, I have corresponded repeatedly with XXXX Bank, loan servicer, XXXX Bank & Trust, Trustee and Select Portfolio Servicing, loan servicer, each time reminding them all that XXXX and now SPS is fraudulently servicing a loan and does not possess legal standing to order a foreclosure. 
Despite the overwhelmingly incriminating evidence I have gathered and have shown to XXXX, XXXX Bank XXXX XXXX XXXX as Trustee for XXXX XXXX Mortgage XXXX XXXX XXXX, SPS, XXXX and XXXX and various local XXXX attorneys that XXXX has hired to respond to my requests. 
I have had to point out to each of them on several occasions that : - The Assignment and Security Deed and other documents are different and altered, thus making the Security Deed null and void. This original Assignment was not only not recorded into public records, it was never actually obtained by XXXX XXXX Mortgage or XXXX Bank. It was stated by XXXX XXXX Mortgage that the note and Security Deed went directly to the trust at the inception of my loan. That is not the case. To this date, XXXX Bank never received my note or Security Deed, nor has any authority to foreclose on my property. XXXX Bank, in a XX/XX/XXXX law suit filed by XXXX Bank VS. The FDIC and XXXX, admits that they ( XXXX XXXX are not " Successors of Interest '' for XXXX XXXX Mortgage Loans. PLEASE DEMAND THAT SPS and XXXX XXXX Stop This Illegal Foreclosure For XX/XX/XXXX.

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