Consumer complaint received 2021-10-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In response to the initial complaint ID : XXXX I do not comprehend how the CFPB continuously closes the complaints immediately after a company responds without any wherewithal as to what the company is responding with. Not only did the company NOT address the issue, they responded w/ false, deceptive and misleading information an action taken by an individual who engaged in a violation pursuant to 15 USC 1692e. I demand to have the complaint reopens and actually looked over. 

I specifically requested the FULL assignment of mortgaged from onset until now. That means from the very first assignment until the current one. 

XXXX XXXX XXXX XXXX , XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE OF XXXX XXXX XXXX did NOT hold the assignment of mortgage at the time the complaint was filed for foreclosure. 

Supreme Court 3.1 Standing states the the burden of proof is placed upon the plaintiff at all times. The Plaintiff but demonstrate standing at ALL TIMES throughout litigation from the initial complaint until summary judgement and can be challenged at anytime. 

At the time the foreclosure complaint was filed, XXXX XXXX XXXX XXXX , XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE OF XXXX XXXX XXXX states that THEY in fact were the holder, an action taken by an individual who engaged in a violation pursuant to 15 USC 1692j ( a ) as they created a deceptive form and pursuant to 15 USC 1692e for false, deceptive and misleading information. 

Furthermore, SELECT PORTFOLIO SERVICING, INC. as attorney in fact for XXXX XXXX XXXX , XXXX continues to add the assignment of mortgage held by XXXX XXXX XXXX , XXXX from XXXX ( recorded in XXXX ) as evidence when in fact, they should be submitting and showing proof of when XXXX XXXX XXXX , XXXX gained BACK the assignment of mortgage. By submitting documentation that XXXX XXXX XXXX , XXXX held the the assignment of mortgage in XXXX, SELECT PORTFOLIO SERVICING, XXXX as attorney in fact for XXXX XXXX  XXXX , XXXX, is inadvertently stating that SINCE XXXX, XXXX XXXX XXXX , XXXX has been the SOLE holder of the assignment of mortgage until they sold/transferred/etc to XXXX XXXX XXXX XXXX , XXXX XXXX NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE OF XXXX XXXX XXXX in XXXX of XXXX. 

There is documented evidence, not only in the county records but also in my possession that that proves that statement is 100 % false. 

In addition to, XXXX XXXX XXXX XXXX , XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE OF XXXX XXXX XXXX, just XXXX MONTHS after gaining control over the assignment of mortgage, sold/transferred et. BACK to XXXX XXXX XXXX , XXXX. 

XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX also stated that XXXX XXXX XXXX, XXXX held the assignment of mortgage at the time of the complaint. So again an action taken by an individual who has engaged in a violation pursuant to 15 USC 1692j ( a ) and pursuant to 15 USC 1962e. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX also committed fraud and an action taken by an individual who engaged in a violation pursuant to 15 USC 1692j ( a ) and is held liable pursuant to 15 USC 1692j ( b ) by stating that FIELDSTONE MORTGAGE COMPANY was the ORIGINAL CREDITOR when in fact, XXXX : XXXX was the original creditor pursuant to 15 USC 1692a ( 4 ) as she extended HER credit in order to credit a debt. 

All four of these DEBT COLLECTORS, SELECT PORTFOLIO SERVICING, INC. XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE OF XXXX XXXX XXXX  and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX are all acting together to commit fraud against XXXX : XXXX a consumer pursuant to 15 USC 1692a ( 3 ), XXXX : XXXX, a consumer pursuant to 15 USC 1692a ( 3 ) and the original creditor pursuant to 15 USC 1692a ( 4 ) and the UNITED STATES.

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