Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
TAKE NOTICE that I, XXXX XXXX XXXX, homeowner, hereinafter homeowner am writing to notify you AGAIN that SELECT PORTFOLIO SERVICES hereinafter SPS and XXXX XXXX XXXX  XXXX   XXXX/XXXX  XXXX hereinafter INVESTOR are injuring me and causing me distress, trauma and fear. SPS has been continuing to send me mail, harassing me about a contract that does not exist and now SPS just sent a letter that SPS is assigning this contract to a law firm for potential foreclosure. 
Homeowner has sent XXXX, SPS and Investor by certified mail return receipt : 1. Rescission Notice : 1st, 2nd, and Final Notice 2. Notice of Default and Dishonor 3. Notice of Injury 4. Conditional Acceptance Notice 5. RESPA Letter Respondent failed within the days allotted to Respondent after the initial communication with Claimant in the collection of the assumed debt the following : a. The true amount of the debt b. To whom the creditor the amount is owed c. a  statement that the Respondent obtained verification of the debt or a copy of a judgment against the Claimant and a copy of such verification or judgment will be mailed to the consumer by the Claimant d. Respondents failed to cease collection of the assumed debt, and all other disputed parts of the assumed debt Respondents continues to communicate with Claimant without being requested to do so by erroneous and incomplete names and address ; and Respondents without the prior consent of the Claimant given directly to the Respondent or the express permission of a court of competent jurisdiction, Respondents continue to attempt to communicate with Claimant with the collection of an assumed debt ; and Failed to properly respond and honor first Notice of Injury dated XX/XX/2019 ; and The note and mortgage separated one or more times ; these predicate possible unlawful business acts and/or practices might include, but are not limited to, the following : Actual Fraud, Constructive Fraud by Omission, Deceit and Deceptive Practices ; and Claimants rescission of the contract is/was based on the fact that the consent was given by mistake, and obtained through duress, menace, fraud, and undue influence, exercised by or with the connivance of Respondent ( s ) as to whom Claimant rescinds, and of any other party to the contract jointly interested with Respondent I need them to cease and desist. I am also taking legal action against SPS, XXXX XXXX, XXXX and all these banks/servicers/investors, et al REGULATORS, who turned a blind eye to my stressful situation as homeowner. Nine-Tenths of the law is possession and I have possession and the property is SECURED. Please tell them to stop and respond to me ASAP so I can know if these injuring parties have been dealt with by the regulators. Remember what happened and is happening to XXXX XXXX.

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