Consumer complaint received 2016-07-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PART XXXX ( FOR PART XXXX See CFPB COMPLAINT PART XXXX ) This is a follow up complaint to Case number : XXXX which was filed on XXXX XXXX, XXXX and currently has a STATUS of " Response Disputed '' and not " Review Completed. '' This complaint is in response to the XXXX XXXX, XXXX CFPB Release Special Edition of Supervision Highlights and Updates Mortgage Servicing Exam Procedures. SPS needs to respond in Declaration form under penalty of perjury such that the information is true and correct to the best of their knowledge. 
( XXXX XXXX ). The attached documents appear to relate to the technology and process breakdowns identified in this release from the CFPB. The attached documents also relate to the deceptive letters the CFPB references. SPS has changed the e-mail address for the Required Information Notices from XXXXXXXXXXXX to XXXXXXXXXXXX. This is an obvious attempt to foreclose on my home without my application ever being underwritten for all loss mitigation options/foreclosure prevention alternatives. This subtle change could be easily overlooked which was likely the intention at which time SPS could contend that the information was not received. SPSXXXX will never stop until they find a way to foreclose on my home. Should this happen it will be because the CFPB allowed it. 
Select Portfolio Servicing is violating Consumer Rights laws by falsely advertising the Making Home Affordable Act and other forms of mortgage assistance SPS offers. SPS is using an affiliate company to act in the capacity of a Debt Collector and refuses to acknowledge this by responding with deceptive letters XXXX and Required Information Notices which violate the Fair Debt Collection Practices Act ( FDCPA ). I am harassed with up to XXXX notices per month before the previous ones are even due and have informed my relationship manager of this problem XXXX XXXX XXXX XXXX. 
The notices require the same information that has been provided numerous times, removed from the list, and then added back on. SPS refuses to accept the Profit and Loss Statement, Letter of Explanation, and letter regarding my XXXX dues. XXXX XXXX XXXX, XXXX, XXXX Monthly Dues Dispute.pdf ). SPS is attempting to coerce me into making changes that I am unable to do by requiring me to call them when I have a cease and desist order that restricts SPS from calling me XXXX I have repeatedly provided the required information but SPS refuses to accept it no matter what I do because they are simply acting as a debt collector. 
XXXX XXXX previously coerced me into making such changes by placing me in foreclosure so that I was forced to speak with XXXX over the phone. In XXXX of XXXX. XXXX refused to allow my application into underwriting unless I changed the information on the application to conform to a loan modification. Although the CA Monitor provided me with a Consumer Rights Attorney because XXXX XXXX XXXX ) XXXX was violating the National Mortgage Settlement Consent Judgment and depriving me of my CA Homeowner Bill of Rights while foreclosing on my home ( fraud/oppression/malice ), XXXX XXXX still remains in control of my loan/application for mortgage assistance and continues to violate the same laws after she committed fraud to cover this up. In fact after XXXX transferred the servicing to SPS, she did the very same thing again in XXXX of XXXX until, finally in XXXX, Sr. Legal Specialist XXXX XXXX allowed my application into underwriting without any changes which proves SPS was depriving me of my CA Homeowner Bill of Rights.

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