Consumer complaint received 2018-05-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following banks servicing companies and such the like have FDCPA law issues attempting to collect a debt that does not exist was paid off, was not transferred thereto XXXX XXXX  XXXX now doing business as XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX/XXXX XXXX XXXX [ XXXX ] /formerly known as XXXX, XXXX XXXX , XXXX alleged Trustee and Select Portfolio Servicing Inc. as well XXXX XXXX XXXX XXXX without verifying and validating the alleged debt. 

15 U.S. Code 1692i - Legal actions by debt collectors ( a ) VenueAny debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such  consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. Thus all parties herein this matter have committed offenses thereto the FDCPA. As stated beforeThe consumers in this matter never had a mortgage with any of the companies listed herein this matter above. Nor are they willing to or can validate nor verify the alleged debt but continues to attempt to collect on an imaginary debt created out of thin air. Such is unfair practices according to federal rule 808. When the consumer would address the issues at hand as in Please Validate and Verify, the banks would began playing hot potato and bouncing the debt around to other banks servicer and such the like. 

The Customers received numerous letters of threats from XXXX aka XXXX   XXXX aka XXXX XXXX XXXX XXXX acquired by XXXX XXXX XX/XX/XXXX, and the SEC found this to be a fraudulent account and or Trust. Rather the letters continued. Even after the OCC got involved and contacted XXXX XXXX XX/XX/XXXX wheres the customers notified said bank and disputed the debt by way of letter certified mail and so forth. Such was ignored. On XX/XX/XXXX an employee named XXXX XXXX for XXXX XXXX XXXX XXXX [ XXXX  ] stated in a letter that the debt did not exist in their records and she was the Research Dept manager whom stated she kept all records and could not find the alleged debt in their system no on microfiche paper carbon copy and such the like. 

Once the banks involved herein not limited thereto employees have received such letters in dispute they would ; harass customers by taking investment, calling late nights, ignoring the FDCPA, hinder the customer form having life liberty and the pursuit of happiness damage their credit by posting negative debts that have never been validated nor verified only created documents as in the FDCPA speaks against prevent them the customers from buying a home moving getting better jobs hindering business opportunities So on and so forth thus until the customers filed lawsuits against said banks herein this matter the banks such as XXXX XXXX XXXX  { XXXX } would transfer the alleged debt thereto the company Select Portfolio Servings Inc on XX/XX/XXXX right after they failed to appear in court when identity theft case XX/XX/XXXX was held. Thereafter Select Portfolio Servicing Inc, transferred the alleged debt sometime in XX/XX/XXXX to XXXX XXXX XXXX XXXX. Since All herein has attempted to file such alleged never verified nor validated debts thereto all credit reporting agencies on XX/XX/XXXX XX/XX/XXXX done by XXXX XXXX XXXX XXXX  [ XXXX ] as well Select Portfolio Servicing Inc, on XX/XX/XXXX and The XXXX XXXX XXXX again on XX/XX/XXXX. 

Thus the banks corporations and such the like but not limited thereto agencies employees and so forth have created a phony agreement that is and was forged some time ago and was attempting to mislead the customers herein to believe they had some contract from years ago but was newly acquired by such banks every three years. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

All herein this document was served a Lawful Notification Administrative Affidavit for Specific Negative Averment and Debt Dishonor notification over the past tear and a half. All have failed to rebut, refute and or challenge more or less they have all defaulted for alleging a debt and providing illegal documents created by forgery. None within this document can or has ever verified and or validated the alleged debt. All claim not to be the original lender but one in specific such as XXXX XXXX XXXX [ XXXX  ] XXXX  has alleged to have acquired the loan from the FDIC on XX/XX/XXXX, please see attachments. Rather when challenged to validate the debt and or verify they would produce forged documents created by their own employees. 

Their employees have worked for one or more of the banks involved herein this matter. Changed over to continue harassment, fraud, and illegal Fair Debt Collection Practices. When even the customers would try to purchase a home they would post negative comments somehow on the customers credit reports but such would later be deleted well after the customer was denied rights to purchase a home. The alleged debt has been disputed and found to be fraud and such companies herein continue alleging a debt by way of attorneys and agents alike as well not limited thereto employees and others Now the banks corporations and such the like are fearing while in court theyll be exposed so they are using the excuse that they are being erroneously sued for 1.Harassment 2.Identity Theft 3.Slander 4.Defamation and 5.Libel rather this is a new claim for the Fair Debt Collection Practices Act 15 U.S.C. 1692-1692p violations. 

Restituion must be paid to the customers XXXX XXXX XXXX and XXXX XXXX XXXX for it has delayed hindered harassed caused family issues created debts and destroyed their good names as human beings. For one bank said they don't like to pay their debts and they don't take kindly to those whom don't pay their debts, such is a threat on their lives and such has been done since. 

As stated by the Fair Debt Collection Practices Act 15 U.S.C. 1692-1692p.

Company response to consumer: Closed with explanation