Consumer complaint received 2017-03-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have already filed several complaints with your agency, all of which end up being closed by the perpetrators indicating that they believe they have abided by the law while the truth is every piece of documentation I have contradicts this notion. Previous complaints have dealt with my reasonable attempt to modify my mortgage over the course 2.5 years in which the mortgage servicer " has played games '' rather than make any good-faith attempt at modification. Recently, after contacting their top compliance officer, I was able to get a " trial modification '' which expressed no clear terms on what benefit I would receive participating in such a program. Therefore I was forced to pass on such a modification. I have been given no reason to believe by the servicer that they or anyone that they are affiliated with has an association with my mortgage. After formally sending for RESPA request with over XXXX questions, the servicer has not provided any substantive answers. Further, my independent research has shown that the servicer has engaged in fraud to attempt to deprive me of my home and profit not only from the bailout money already provided to them, however also additionally profiting by giving fraudulent modification terms to me in an attempt to collect money while their intent is to attempt foreclosure. In researching at the County recorder 's office, I have found over the course of the past several years multiple fraudulent documents filed, in which each of the documents has additional fraudulent acts including forgery ; misrepresentation, and additional acts too numerous to name in this complaint. I have learned that the " pass-through account '' that the servicer has attributed their standing to does not contain my mortgage. I have issued a demand letter to the servicer and have received no response despite the fact that I am highly concerned about a very clouded title. The servicer did however send me a payoff statement which I believe was a further attempt at intimidation to ultimately deprive me of my home. I have substantial equity in my home and an inability to make any move on it as due to the fraud perpetrated by the servicer has clouded the title. I have demanded that the servicer provide me something that proves a non-fraudulent chain of title providing that standing and they are either incapable or unwilling to do so. Again this is only one aspect of many many complaints of illegal activity on the part of this company which has been publicly scrutinized before and forced to close under the name of XXXX. They then reemerged under The name Select Portfolio Services and they are engaging in the same activities that cause their legal troubles under the former corporate name. I will of course file a wrongful foreclosure lawsuit if they should continue these illegal attempts at depriving me of my home, however more importantly I am seeking a way to remove the cloud of title.

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