Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
MORTGAGE LOAN SERVICER : SELECT PORTFOLIO SERVICING SUBJECT : DEBT VALIDATION/POSSIBLE FRAUD This letter serves as a FORMAL request for VALIDATION of the alleged DEBT with Select Portfolio Servicing. Provide the WRITTEN documentation identifying that Select Portfolio Servicing have the LEGAL right to SERVICE, COLLECT and FORECLOSE on this DEBT. Since this DEBT was securitized and sold to a TRUST, you must PROVE ownership not just SERVICING RIGHTS. 

The Assignment of Mortgage ( Specialized Loan Servicing LLC XX/XX/XXXX ) and the Corporate Assignment of Mortgage ( Select Portfolio Servicing XX/XX/XXXX ) are XXXX MORTGAGE DOCUMENTS that I had no knowledge of. The mortgage copies I received from the Ombudsman Department are FRAUDELENT copies missing LEGAL information from them. 

XXXX. VALIDATE DEBT Provide WRITTEN documentation to show a Transfer of Ownership, Signed Affidavit, Promissory Note, Full Chain of Title or any Legal Instrument bearing my XXXX. 

XXXX. PAYMENT ACCURACY - Provide the entire PAYMENT history from the beginning of this DEBT ( XX/XX/XXXX XX/XX/XXXX ). Include the exact method used to calculate the ENDING BALANCE, VARIOUS INTEREST CHARGES, UNAPPLIED FUNDS and the DEFAULT amount owed. Document in DETAIL why the INTEREST amounts fluctuate on a MONTHLY basis. A COMPLETE payment history is required in order to determine if there is DEFAULT AMOUNT due. 

XXXX. INVESTOR INFORMATION Provide the name of the INVESTOR thats making the decisions on the outcome of the XXXX Applications. 

Please disclose the PARAMETERS used to determine the denial of my application. As I previously stated before, I don't own MULTIPLE properties and I'm not receiving Unemployment. Providing the tools you used to make this determination is vital in this situation. 

XXXX. CORPORATE ADVANCE HISTORY Provide in WRITING what these CORPORATE ADVANCES/DISBURSEMENTS are and who is RECEIVING them ( XX/XX/XXXX XX/XX/XXXX )? I wasnt aware of the Corporate Assignment of Mortgage until XX/XX/XXXX. 

Please be advised that I am exercising my rights pursuant to the FDCPA and the applicable Laws listed below.

LAW 15 USC 1692g : VALIDATION OF DEBTS TITLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUBCHAPTER V-DEBT COLLECTION PRACTICES. 
( a ) Notice of debt ; contents Within XXXX days after initial COMMUNICATION with a CONSUMER in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial COMMUNICATION or the CONSUMER has paid the debt, send the CONSUMER a WRITTEN NOTICE containing ( XXXX ) the amount of the debt, ( XXXX ) the name/investor of the creditor to whom the debt is owed. 
( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of thereby or a copy of a judgement against the consumer and a copy of such verification or judgement will be mailed to the consumer of the debt collector. 

I have made several attempts to get all the information needed to VALIDATE this DEBT. Failure to comply with my requests could result in CIVIL damages. 

LAW 15 USC 1681n : CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE TITLE XXXX XXXX XXXX XXXX XXXXXXXX CREDIT PROTECTION SUBCHAPTER III-CREDIT REPORTING AGENCIES ( a ) in general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( XXXX ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX not sure how Select Portfolio Servicing obtained servicing rights of this DEBT. However, the documents I received are absolutely FRADULENT. Law 15 USC 1692 protects CONSUMERS from receiving FALSE STATEMENTS and MISREPRESENTATION of themselves from THIRD PARTY collection agencies. The XXXX Rule prohibits UNETHICAL, DECEPTIVE ACTS or any other ILLEGAL forms of COMMUNICATION used with respect to FORECLOSURES. 

XXXX XXXX XXXX : FALSE OR MISLEADING REPRESENTATIONS CHAPTER XXXX CONSUMER CREDIT PROTECTION SUBCHAPTER V-DEBT COLLECTION PRACTICES A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 
( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States of any State, including the use of any badge, uniform, or facsimile thereof. 
( XXXX ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
( XXXX ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt, or ( B ) become subject to any practice prohibited by this subchapter. 
( XXXX ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 
( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
( XXXX ) The use or distribution of any written communication which or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 
( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 


Thank you in advance for your time and attention to this matter!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation