Consumer complaint received 2015-05-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
This complaint technically regards fraud, how I have dealt with it, and which office of protection who I complain to. On or about XXXX XXXX, XXXX I created a mortgage with XXXX XXXX XXXX XXXX Property is in XXXX . It is my residence. It was a high-interest re-fi. On XXXX XXXX, XXXX " XXXX XXXX '' went into receivership as it was banned from trading by the " SEC ''. On XXXX XXXX, XXXX I filed for Bankruptcy under Chapter XXXX # XXXX, District of XXXX. This alleged debt was discharged & not abandoned as a secured debt. A motion from relief from Stay was filed by the wrong bank on the wrong property but in my case. It was not me or the correct bank. " XXXX ' went officially out of business XXXX XXXX, XXXX. Assets disturbed by the Trustee in their bankruptcy. XXXX XXXX, XXXX a document titled ASSIGNMENT OF MORTGAGE was recorded at STATE OF XXXX LAND COURT DOC. # XXXX on XXXX. It was filed on behalf XXXX. naming XXXX, XXXX, as Trustee for THE BENEFIT OF XXXX., XXXX XXXX XXXX XXXX, XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES. Clearly stamped on the doc. was " this document is filed as an accommodation ONLY. It has not been examined as to its execution or its effect on the title. '' Meaning it was a forged rob-signed document. It was signed in XXXX by XXXX XXXX claiming to be a vice-president of " New Century '', a defunct corp. based in XXXX XXXX XXXX is a known rob-signer a actually vice-president of XXXX XXXX XXXX over-seeing its XXXX acquisitions. My mortgage never was a XXXX mortgage! Land Court it very specific here in XXXX. XXXX tried to foreclosure on me in XXXX XXXX but they could not. It was rejected. After discovering this fraud I sent my NOTICE OF RIGHT OF RESCISSION under " TILA '' to XXXX. AND XXXX . USPS cert. Mail # XXXX. I clearly rescinded the mortgage and note by OPERATION OF LAW. The US SUPREME COURT recently had a unanimous decision about this in XXXX vs XXXX # XXXX on XXXX XXXX, XXXX. " TILA means TILA '' and rescission means the mortgage and note are null and void. " OPERATION OF LAW from XXXX 's Law XXXX XXXX. means by which a right or a liability is created for a party regardless of the party 's actual intent ''. Around XXXX SELECT PORTFOLIO SERVICING, INC. took over servicing of this alleged mortgage. They continually send me letters, statements, against the bankruptcy law, and deny my mortgage was cancelled under TILA. I filed a NOTICE OF RESCISSION in the LAND COURT of XXXX including my letters to them as evidence. They have no status, standing, or jurisdiction in this matter. Please contact " SPS, Inc. and XXXX '' and let them know the facts as my letters and filings fall on deaf ears. Account # XXXX XXXX XXXX XXXX. I filed a complaint at OCC comptroller of the currency and they sent me to you. They handle TILA cases, but this complaint qualifies under your office. The mortgage and note were due to me within 20days after my notice along with all the monies I deposited. SPS, Inc continues to have an insurance policy naming them as loss payee against all my formal objections. They may also have a mortgage insurance policy as well, but I do not know. The XXXX Circuit Court of Appeals just the other day found XXXX XXXX XXXX criminally libel and engaging in racketeering pursuant to RICO for foreclosing when they knew a TILA Rescission Notice was sent. Details of this case forthcoming. Please assist me in bringing closure and settlement due to me. Under " TILA '' borrower does not need to file a counterclaim. Only when one is suing for damages does one need to. Thank you

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