Consumer complaint received 2016-01-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The attorneys claiming they are representing the alleged " creditors '' have been intimidating me, harrasing me, demonizing me and stalking me and they have not indicated in their debt collection letters to me that they are a debt collector which is violation of FDCPA. In fact, all payments on a non existing loan has been received on repeated and continous basis from unkown sources accourding to the declration XXXX and currently XXXX, see attachment. 
1. The attorneys claiming they are representing the alleged " creditors '' have been intimidating me, harassing me, demonizing me and stalking me and they have not indicated in their debt collection letters to me that they are a debt collector which is violation of FDCPA. 
2. In fact, all payments on a non existing loan has been received on repeated and continuous basis from unknown sources according to the declaration of XXXX XXXX and currently XXXX, see attachment. 
3. The attorneys are aiding and abetting the theft of my assets. 
4. I have rescinded the alleged loan, note, mortgage and security ( see attachments ), under TILA at XXXX, XXXX CFR XXXX d, ( XXXX ), ( XXXX ) and ( XXXX ), XXXX. Z by Federal Reserve and under XXXX unanimous decission in XXXX XXXX XXXX. v. XXXX XXXX LOANS, XXXX, XXXX THE UNITED STATES XXXX OF APPEALS FOR THE EIGHTH CIRCUIT, No. XXXX. 
5. The parties are refusing to satisfy their obligations to me, to wit : XXXX XXXX return of cancelled note marked cancelled, XXXX ) satisfy the debt XXXX XXXX recorder office, and XXXX ) return of all monies I paid them with interest including the disgorgement of all monies that was paid out to anyone on these transactions that I cancelled ( rescinded ). XXXX : XXXX CFR XXXX, " ( d ) Effects of rescission. ( XXXX ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void, and the consumer shall not be liable for any amount, including any finance charge. ( XXXX XXXX Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. ( XXXX ) If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( XXXX XXXX of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tender of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within XXXX calendar days after the consumer 's tender, the consumer may keep it without further obligation. '' 6. Under FDCPA I ask CFPB to instruct attorneys and the banksters to stop harrassing me, demoonizing me, threatening me and stalking me. I also ask CFPB to force them to pay for my damages under their collective FDCPA violation by not disclosing that attorneys allegedly representing the banskters are debt collectors as FDCPA requires them to do so. I consider their violation of FDCPA to be $ XXXX, I consider this matter under their FDCPA violation to be satisfied if they pay me $ XXXX in damages. 
7. Under TILA, I ask CFPB to instruct the banksters to pay my monies with interest pursuant to my rescission notice. I consider this matter sealed and closed if the banksters and their attorneys representing them pay me $ XXXX in damages and satisfy their obligation to me under TILA which is to quite the title XXXX XXXX recorder.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation