Consumer complaint received 2021-09-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about XXXX XXXX XXXX. XXXX XXXX XXXX XXXX paid off my XXXX XXXX home Mortgage without my knowledge or understanding. XXXX XXXX XXXX XXXX paid off my mortgage and then transferred it too Select Portfolio Servicing , inc . Upon further investigation XXXX XXXX XXXX XXXX  did this deceptive act of paying off and transferring my mortgage after they were found guilty in XXXX by a Federal Judge. In regards to the HAMP loan modification scandal. XXXX XXXX XXXX Mortgage unlawfully denied XXXX or more families of the HAMP loan modification, whom qualified. Over XXXX families lost their homes. While the reminder had their mortgages unlawfully restructured by XXXX XXXX XXXX XXXX. I am one the above victims whos mortgages was unlawfully restructured. It is believed XXXX XXXX XXXX XXXX  did this deceptive act in order to hide or disguise their illegal actions committed against me on XX/XX/XXXX by denying me a HAMP loan modification. Also for illegally restructuring my XXXX XXXX against federal guidelines regarding FHA home mortgages. It is also further believed that XXXX XXXX XXXX XXXX  did this deceptive act as a way to avoid repayment monies owed to me for illegally raising my interest rate. To avoid reimbursement for damages that occurred because of their crimes. To avoid future lawsuits regarding their illegal actions committed against me. An to avoid reinstatement of my original XXXX XXXX mortgage which they attempted to foreclose on in XXXX. It is also believed XXXX XXXX XXXX Mortgage did these deceptive acts to keep the illegally obtained money they received from me and continue to receive from me regarding their crimes committed against me and others. The Consumer Financial Protection Bureau complaint regarding crime is # XXXX. On XX/XX/XXXX. XXXX XXXX XXXX XXXX  used Select Portfolio Servicing, Inc to put false and misleading information on all three of my credit reports to hide that I was unlawfully overpaying on my mortgage from XX/XX/XXXX til present because of XXXX XXXX XXXX XXXX  crimes committed against me on this same date. Because of XXXX XXXX XXXX XXXX  and Select Portfolio Servicing , Inc . false credit reporting, criminal acts and deceptive actions I was unable to purchase a new home, refinance my mortgage, nor repair damage caused by their crimes. After XXXX XXXX XXXX XXXX  paid off my XXXX XXXX mortgage without my knowledge or understanding. And transferred the fictitious mortgage I have been paying since XX/XX/XXXX til present to Select Portfolio Servicing inc. Select Portfolio Servicing, Inc has been falsely reporting to the three credit bureaus. Select Portfolio Servicing , Inc has stated and continues to state I have numerous missed and late payments. They have given false statements of amounts owed regarding principal and paid off XXXX XXXX mortgage. Select Portfolio Servicing, Inc and XXXX XXXX XXXX Mortgage. With criminal and deceptive intent has grossly violated the truth in lending Act. Their actions have destroyed my credit history. It has falsely slandered my good name. It has denied me the ability to get a new home for my family. I cant refinance my mortgage. I had hindered me in finding another job. And theirs actions have caused me financial harm and has created enormous amounts for my family and myself. To also add further insult to injury. I have knowledge and started to report an individual whom aided XXXX XXXX XXXX Mortgage in defrauding me in XXXX and XXXX to the XXXX County District Attorneys office. 

In addition Select Portfolio Servicing , Inc. has not sent me my XXXX interest statement. Also to hide these facts XXXX XXXX XXXX XXXX  sent the cashiers check that was owed to me because unlawful loan modification action. XXXX XXXX XXXX XXXX  sent the check to XXXX XXXX XXXX XXXX NY. This is not my address it belongs to my family/friend. This address neither XXXX XXXX XXXX XXXX  nor Select Portfolio Servicing , Inc . have on file for me at all. 

Lastly Select Portfolio recently cashed an escrow check for the full amount requested, yet they still raised my mortgage.

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