Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Please find that " XXXX XXXX XXXX '' is acting as a Trustee under a disguise of a SELF Appointed Sub of Trustee role, indicating that a " TRUST '' NAMED XXXX XXXX XXXX XXXX XXXX ' is the owner who assigned them by some " client of their own making named as a Servicer called SPS. That the underlying investor named XXXX XXXX went defunct, and only " assets '' moved to XXXX XXXX in XX/XX/XXXX '. However XXXX was informing they " were '' the lender. Took funds from me for 7 years now those funds were OMITTED and forced into a mod OR foreclose - that increased the balance. XXXX said they were the " Lender-Investor-Creditor '' then each Regulatory Agency said NO you ca n't be as nothing existed as this was non performing in XX/XX/XXXX '. There are now over 8 lawsuits by regulators instructing XXXX to stop lying. Add confusion that XXXX acting as Servicer was bought by XXXX now XXXX claimed both roles. Rather than keep any of the agreements made under XXXX 's very extreme abuse which I encountered horrible lies told and moving into a full underwriting for a rewrite of a new mod - ( which at that time XXXX said I missed a payment to cause a default -this was not true ) I had made those payments. Furthering the abuses by XXXX turned to XXXX. XXXX admitted NO Lender can be known it is impossible. However while I was " in '' underwriting for this very long awaited outcome of principal write down - XXXX made a mistake and caused an admitted mistake of a filing a Notice of Default. That NOD was filed " Outside of CA Laws '' and the newly enacted Civil Codes including specific documents to be attached XXXX that were not attached and never attached - Filed a false affidavit as XXXX had full documents, and continued at that point to " Transfer '' for a Debt Collection to Servicer SPS when " no underlying investors existed '' however SPS did not care about any laws of California, and allowed XXXX 's own attorney firm acting now as the Sub of Trustee ; causing a Posted Sale during the transfer Time - Clearly CFPB Violations. Continued to cause dual hardship and later found that XXXX was NOT the Investor when asked to use " Keep Your Home California '' as then found no investor existed. This did not stop backdated Fake assignments and claims by XXXX XXXX  foreclosure to continue to make up fake Assignments and record at the XXXX XXXX and then used in a Bankruptcy filing to make a non sensical link that is purely fictional. Then jumped again from 3 Attorney firms to make claims they worked for XXXX XXXX which was " Impossible '' the other claimed to work solely for SPS however on paper claimed another role - that of SUB OF TRUSTEE for a " Creditor '' as under the DOT only a Creditor can Assign - however given no investor exists = The Attorney firms created the paper and used for the notary tag team of the Servicer to ACT as if some real party holding rights has given them an official power of attorney to allow employee 's of unrelated persons to act and now assign a new Sub of Trustee this was a double event, first using XXXX XXXX, acting as SOT self assigned and now XXXX XXXX XXXX XXXX as Trustee with claims that an owner under the DOT has assigned them however the only client existing is a Servicer " claiming to have a client ''. During this entire fiasco of intense harassment, including interferences to property rights, use and income affected, without any concern the " Attorney 's '' brought the FRAUD onto the Federal Court. The FRAUD of now which includes entirely made up fake assignments, and " Forged Note ''. The Notes existing are the one most similar to XXXX Bank 's Note perhaps found in the original XXXX XXXX XXXX as that is the only real lender related. However during many disputes each one diverted by deflection of no responsibility exists to answer or lame blame answers that are unrelated to the facts having caused an entirely Made Up Figures -along with a " newly Created '' FAKE FORGED NOTE. Now this Note being claimed Due ( Which is Time Barred ; Has No owner : and was discharged after 10 years in a XXXX ) Now appears to have an " Allonge '' that is pre-dated from the borrower/myself ever signing or seeing this Allonge. That once an Allonge is created it forever stays with the NOTE. This did not happen as NO Allonge existed. IT is clear that XXXX does not have that Allonge and provided a different note to answer Regulators in XX/XX/XXXX '. At the same time SPS produced this same fake forged note with an allonge that was Dated BEFORE Borrower 's ever signed her note or loan documents. This makes NO VALID SENSE. Except of a Stolen note event. That NOTE includes an Allonge signed by someone named XXXX.  That XXXX NOTE was presented to federal Court. That XXXX NOTE is a fake note being tossed to varied self Assigning Sub of Trustee 's having no concern of " who '' or " how '' their client has represented that they self assigned a role of SUB OF TRUSTEE - however typically made by their own firms attorney firm. Signed by a NON CREDITOR NON OWNER and pretending to use as if a real beneficiary has assigned them a role. Recording that SOT on the Courts and County Records. Then using this as proof to have been hired to act on behalf of a " Creditor '' named as the Trust. This is bogusly corrupt. No REAL Client exists of the Creditor/Investor. No relationship to the SOT exists from the claims made. ONLY a Beneficiary can assign such a role. However in this event ONLY a Self monopolized role of a Servicer Self Servicing a Role that is NOT true and then being the ONLY client of the Sub of trustee in this case EVEN Though on paper a Sub called XXXX XXXX XXXX acting for INVESTOR XXXX  I XXXX however this is NOT True. QLS " only ' client is a Sub to a Sub to a transfer from 5 times back to end up in hands of non related parties and no underlying beneficiary. 

The Note is no longer enforceable by any means. Rather than release the lien. A game is played that has now raised further illegal abuses to have occurred. That relates to an underground back door Deed Theft Ring happening and the " Attorney 's hired '' by those fake claimed servicer 's are aiding the wrong party entirely to enter side dealings that compromise the integrity of our entire Court, and County Land Records. At this very time, those attorney firms associated with the Deed Theft Rings are these SAME Linked parties. My other property was purely fictional Bank came and pretended a sale auction occurred -- NO Sale Date had occurred however these Attorney 's aiding wrong parties are now " feeding themselves '' in new paths to aid the Deed Theft Rings. That right now over 100 Properties the ones I 've personally investigated this week alone all relate to time barred, no real underlying creditors and now instead of the Servicer claims those employee 's of both Servicer AND AUCTION Co and that of the pretender Sub of Trustee 's are allowing fake trustee 's deeds to wrong parties. Relentless in being brainwashed to think they have a " client '' that is an Investor Beneficiary however knowing that this would be IMPOSSIBLE. That it is believed that no good faith, no duty of fair dealings whatsoever are possible when dealing with theft of this magnitude and pay outs that allow the largest attorney firms to make a ton of money related to false pretenses and think they can rule the entire system with fake documents. When XXXX was recently assigned as " attorney ' associated to be the backbone of XXXX XXXX XXXX - assigned to this file - having already laid hands on my other properties to which has entirely fake persons making up fake assignments - in this situation, both QLS and their role changing hats XXXX claim that they are all Exempt from ALL LAWS and any mistakes regardless of how BIG a mistake being made has only to land on Servicer 's back and that they can make any claims they want as playing role Trustee. However each time they are informed WRONG FIGURES - Failing and Omitted 7 years of payments, entirely made up forged affidavits, robo signers named as those in the XXXX agreements, continue to slander my title with false documents by fake persons, fake claims and having no real underlying client. QLS had stated that they will make sure to follow all laws under CA State as they are the Trustee and that is required however when pushed they claim " Exemption '' from all laws. 

Now each CA Specific State law is not upheld. The NOD was filed defectively in the first place it is still and will forever be missing the " XXXX '' as now it 's been nearly 5 years since that faulty NOD filed by XXXX 's inhouse council acting in all roles monopolized the system and had admitted that a mistake and misrepresenations were made at that time and thereafter. NOW a Posting of a Sale showing THAT MONEY IS OWED - no Debt is owed as this is Discharged after the 10 years in XX/XX/XXXX '. However this does not stop publishing of the same claimed debt. Now furthering was a Posting of a Notice of Sale by XXXX XXXX XXXX ACTING DECEPTIVELY - THIS INCLUDED MAILING TO WRONG ADDRESS. Skirting the proper notice. Then when informed of a dispute existing of figures, and of the debt - that informed QLS of the varied lies encountered along with each lawyers firm hired that no longer exist 3 entire different firms found 2 of which were acting illegally and were closed - however never reversing the faulty NOD. Now underneath the chain of title is fake forged notes, and forged assignments by non related parties. The chain includes some back-dated assignments to unrelated parties not even the same as " who '' is now claimed or " who '' was claimed the time involved. Both QLS and their Attorney firm named XXXX XXXX XXXX who " SPS '' continues to reference as " their '' attorney firm however XXXX states NO they are ONLY XXXX XXXX XXXX 's Attorney Firm and that any mistakes are not their concern if made by Servicer. This tossing back and forth is deceptive. XXXX does interject and advertise that they are hired by the Banks and Servicer 's however now appears that this is a Front. That the servicer 's believe that they are handling legal aspects however NO ONE IS. The laws continue to be shaded and disregarded. 
A letter was sent to all parties in XX/XX/XXXX, and XX/XX/XXXX on " figures '' and loan history requests ; again answered with " Omitted 7 years '' ; Request was made to reverse the faulty NOD ; The letter of XX/XX/XXXX addressed no response from QLS either as they stated they would confer and respond after the servicer response to make sure laws are followed then instead state ONLY DO AS INSTRUCTED by the Servicer - QLS then apparently SPS had instructed this firm to by pass the NOTICE Posting and fail to Properly Notice Homeowner, then has informed them to ignore all pre-foreclosure procedures including excessively moving sale dates more than 3 times and without regards to any " answer '' to any concerns raised. No answers come. No Accounting to match their made up claims. No true rights exist by such illegal means. A continued pattern that has caused the Commercial Crimes Division to become involved on my files as the FRAUD IS ALL OVER THE Place. A few attorney firms refused this file. NOT XXXX as they throw it to XXXX XXXX XXXX and claim they are not acting as Attorney 's so this means they can break all laws in such a role. 

Now QLS fails to answer AT ALL. ON XX/XX/XXXX a request was made for the full accounting and reinstatement figures under additional laws ; however XXXX and XXXX who share offices at times and other times separate themselves from any accountability by deflecting any means to by pass accountability to uphold laws. Now on XX/XX/XXXX attempts were made to XXXX for the pay off figures and instead of providing these figures, stated NO Such Department was operating as they were in the middle of a Move of " that '' Department and at this time had no phones no internet and no access. That Department of payoffs and figures to cure the loan before a foreclosure was NOT AVAILABLE. Would not be available as they were at that time walking down the street hand carrying boxes. That this is the typically response it is always some " other '' person or department and each call results in a claim someone will call back and not once has a call been returned. This has been a sham. That NO good faith is found. That at all times I could pay and afford my payments I was denied my rights, and I was lied to by " each '' entity hired by this so called Servicer working on behalf of an " unknown '' and impossible to know Beneficiary - however QLS continues to instruct XXXX XXXX to Publish that a Beneficiary is somehow directing all actions including that of Nationwide Posting by a 3rd party named as SOT Sub of Trustee who is self assigning their role without any real client. I am asking that a chance be given to allow fairness rather than steal my house of 12 years that I made EVERY GOOD EFFORT and Paid and my money was stolen right from me and now being aided by this Threat of Foreclosure from faulty schemes and failing to follow the laws. Not one entity has reviewed the CA laws including CC 2924g, 2924.17. or 18, and or any of the entire Civil Codes pertaining to heightened requirements of the XX/XX/XXXX ' enacted laws that were ignored at that time. Now running on a false and defective means to steal property without having a proper right, nor following any procedures set forth under the applicable laws. Not from the simple laws to the more complex security laws under the DOT noted under item 1 & 16 which claim all laws are to by upheld.

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