Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
The undersigned, XXXX. XXXX, of XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, being duly sworn, hereby deposes and says : I attest and swear that I, XXXX XXXX XXXX, ( " Affiant '' ), ( " I '' ), ( XXXX. XXXX '' ), being over 18 years of age residing in XXXX, XXXX  and being duly sworn, depose, certify, and attest in the presence of the witness Notary below, and that I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

I attest and Swear that XXXX XXXX, and The XXXX Co-conspirators listed below or all of whom knew that XXXX XXXX  : XXXX sued me on the first XXXX, Variable Contract/Note/Security Instrument prematurely before it was assigned to them, then XXXX. XXXXXXXX XXXX Originated a new XXXX Modified Fixed Contract/ Note/Security Instrument with new Terms that absolved them of any liability for the first pre assignment premature Complaint filing, and any liability from the first XXXX, Variable Contract/Note/ Security Agreement, 3. then discovered that the new XXXX Modified Fixed Note was illegal, then 4. sued me again, but only on the first canceled XXXX, Variable Note, then, 5. only presented the canceled XXXX, Variable Note to the Trial judge passing it off and propounding that it was a valid Document, then 6. never canceled the XXXX modified Note, then 7. never disclosed the XXXX Modified Fixed Note to the Courts because it had prohibited Terms they wanted to conceal from the Court, then 8. acquired a null judgment of strict foreclosure on the canceled XXXX, Variable Note, which made it a null judgment of strict foreclosure, or just a nullity and legally not a judgment, then 9. used the null judgment as authority to transfer title of my house into XXXX XXXX  's name, then 10. used the null judgment to sell my house for {$560000.00}, then used the null judgment to motion for a default judgment for another {>= $1,000,000} in interest, then 11. based all further Court filings in XXXX different cases on the invalid XXXX, Variable Note, then 12. never disclosed to any Court or Appellate Court that they had sued me on a canceled XXXX, Variable Contract XXXX then 13. only XXXX, XXXX disclosed the invalid XXXX Note in a RESPA Qualified Written Request XXXX years later XXXX XXXX XXXX then, XXXX not XXXX of the XXXX Co-conspirators have ever properly Noticed the Court that the Terms of the agreement they sued on and the papers they submitted to the Court were intentionally invalid, then 15. the duration of the totality of circumstances of thousands of inflictions XXXX emotional, physical, financial, professional, reputational, and social distresses so severe that it caused permanent physical illness including severe XXXX that rendered me 100 % unemployable, all of which was totally avoidable. 

I attest and Swear to the Fact # XXXX that - The XXXX Co-conspirators propounded or knew that the prohibited, unlawful, XX/XX/XXXX XXXX XXXX XXXX and Signed, First, Contract/ Note/ Security Agreement Terms, were, invalid, so they canceled the XXXX Agreement. 

I attest and Swear to the Fact # 2 that - The 32 Co-conspirators knew or later knew that, XXXX because the first XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, was premature to the XX/XX/XXXX Assignment of the XXXX Note from XXXX XXXX XXXX, and XXXX XXXX because the First, XX/XX/XXXX, Variable, " XXXX  XXXX Originated and Signed, '' Contract/ Note/ Security Agreement was invalid and void, XXXX. " XXXX XXXX  XXXX '' and Issued '' a new, XX/XX/XXXX, " XXXX XXXX XXXX XXXX XXXX XXXX and Signed, '' Modified, XXXX, Second, Contract/ Note/ Security Agreement, that canceled and nullified the XXXX prohibited, unlawful, XX/XX/XXXX " Mariners XXXX Originated and Signed, '' First, XXXX XXXX XXXX Terms. 

I attest and Swear to the Fact that - The XXXX Co-conspirators knew or later knew, that, XXXX months after the XXXX, Modified, Second Note was Originated by XXXXXXXX XXXX XXXXXXXX XXXX found that the modified XXXX Note violated law, and because of that, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX  sued me on the Terms of the canceled XXXX Note, and then, XXXX years later, held a Trial, and produced at Trial, as valid, the First, Canceled, XXXX XXXX XXXX Security Agreement and intentionally omitted the modified XXXX Contract/Note/Security Instrument seen while propounding at Trial that the Canceled XXXX Note was valid and had valid Terms, all of which was totally avoidable. 

I attest and swear that I have Clear and Convincing Evidence that The XXXX alleged Conspirators and or co-conspirators below and herein, committed Fraud on the XXXX  XXXX XXXX XXXX XXXX by filing forever canceled, null, and void invalid loan documents misrepresenting that the nulled loan documents were valid when newer, but improper invalid, " XXXX XXXX XXXX XXXX XXXX XXXX '' materially modified loan documents were knowingly suppressed, omitted, and concealed causing the judge to issue a null judgment of strict foreclosure on the forever canceled, null, and void XXXX XXXX XXXX  loan Documents, and because the bank, as plaintiff, never had standing to sue on the canceled forever canceled, null, and void ''XXXX  XXXX XXXX  '' Note and Security Instrument Installment Contract Agreement invalid loan documents, which caused the XXXX  XXXX XXXX XXXX to lack jurisdiction over the canceled Note that neither party were a party to, and where neither did the XXXX  XXXX XXXX XXXX have jurisdiction over the omitted " XXXX XXXX XXXX XXXX XXXX XXXX XXXX materially modified loan documents as they were never before the XXXX  XXXX XXXX XXXX XXXX all of which was totally avoidable. They did not attempt to collect, nor did they report any owed debt to any credit agency, showing that they knew they were wrong, 18. all of which caused an unreasonable over ten-year delay, and the expenditure of all my assets i.e. ( money, time and health ), caused by their Withheld or Materially Withholding or Materially Withholding or Materially Misrepresenting Information and wrongfully filed, canceled, Extinguished, Null, And Void ( as of XX/XX/XXXX ), " XXXX XXXX improperly Originated, '' XX/XX/XXXX, Variable, Note and Security Instrument Agreement Installment Contract Agreement, as valid, 19. that made me repeatedly respond, that caused damages to my business, health, and reputation, and which manifested into an injustice, all of which caused me to experience a catastrophic handicap level of permanent emotional, physical financial, professional, reputational, and social distresses, 20. caused by the duration of the multitude of over a " XXXX inflictions, '' that it caused repeated and permanent XXXX, ( e.g. wrongful references amounting to Materially Withholding or Materially Misrepresenting Information in State and Federal Court, on the phone, and in their statements and correspondence ), 21. caused by the totality of circumstances of all co-conspirators listed herein, who separately and together caused the extensive duration of trauma and re-traumatization of the unrelenting inflictions of emotional, physical, financial, professional, reputational, and social distresses, so severe that they compounded into causing permanent physical illnesses, 22. caused by the Conspirators, and Co-conspirators ' continuing courses of conduct, for over more than ten years, where the totality of their actions and inactions listed herein, all of which was totally avoidable, by each of the following individual 's, firms, and companies as listed here including Negligence per se, all of which was totally avoidable, and include the following XXXX Conspirators and Coconspirators, ( " The XXXX Co-conspirators '' ). " The XXXX '' Fraudulent Misrepresentation Conspirators Coconspirators are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX signatory as witness signing the prohibited Document titled Loan Modification Agreement and XXXX XXXX XXXX XXXX, and, XXXX. XXXX XXXX XXXX XXXX, now XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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