Consumer complaint received 2016-07-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
misrepresented the amounts consumers owed.ALLEGED LAW VIOLATIONS The complaint charges XXXX with violating several federal laws, including the FTC Act, the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Real Estate Settlement Procedures Act ( RESPA ) enforced by HUD. 
Fair Debt Collection Practices Act The complaint also alleges that XXXX violated several provisions of the FDCPA, in connection with collecting loans that were in default when XXXX obtained them. Specifically, the FTC alleges that the defendants falsely represented the character, amount, or legal status of consumers ' debts ; communicated or threatened to communicate credit information which was known or which should have been known to be false, including the failure to communicate that a debt was disputed ; used false representations or deceptive means to collect or attempt to collect a debt, or to obtain information concerning a consumer ; collected amounts not authorized by the agreement or permitted by law ; and failed to validate debts. 
misrepresented the amounts consumers owed. 
INFLATING ORIGINAL PRINCIPAL BALANCE ] This not the first time select portfolio servicing ARE inflating original principal balance ON MY LOAN assignment fraud, XXXX XXXX, XXXX XXXX, not my lender ... 
XXXX XXXX, AN ENTITY THAT STOP EXISTING IN XXXX due merge with XXXX, a sub prime pat of XXXX XXXX XXXX XXXX The case was challenged as to assignment fraud the assignments fraud was caught when the prior defunct plaintiffs XXXX fka XXXX fka XXXX XXXX XXXX all defunct debt collector law firm shut down was caught entering fraudulent assignments of mortgage in XXXX prior fillings by defunct XXXX XXXX XXXX XXXX XXXX defunct XXXX and XXXX assignment fraud from a defunct finance XXXX that XXXX to exist in XXXX and no live person at XXXX XXXX and XXXX nothing to assign. 
FULL DEPOSITION TRANSCRIPT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lending group filed for Chapter XXXX bankruptcy protection in Delaware in XXXX it is still under that " protection '' ) XXXX XXXX, AN ENTITY THAT STOP EXISTING IN XXXX due merge with XXXX, a sub prime pat of XXXX brothers XXXX brother where is the permission to act from bankructy trustee of XXXX XXXX for XXXX XXXX to manufacture thus fraud ASSIGNMENTS Where is permission to act from th bankruptcy trustee for mers and its OFFICER reviewing this document questions whether XXXX or any of its officers had prior to convey this property out of XXXX XXXX, XXXX a defunct entity. 
MOTIONS : ILLEGAL BUSINESS PRACTICE XXXX XXXX XXXX OF XXXX XXXX for depositions WHO holds title as document control officer for select portfolio servicing and address XXXX XXXX XXXX XXXX XXXX, UT XXXX ANDALL UNDER CONTROL OF XXXX XXXX. XXXX XXXX, SELECT PORTFOLIO SERVICING, XXXX XXXX AND XXXX XXXX AND PLAINTIFF XX/XX/XXXX REQUEST A HEARING AND INVESTIGATION OF CFPB ALLEGED LAW VIOLATIONS The complaint charges XXXX with violating several federal laws, including the FTC Act, the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Real Estate Settlement Procedures Act ( RESPA ) enforced by HUD.

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