Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
Complaints and Counts against XXXX Bank and Select Portfolio Servicing1. XXXX XXXX XXXX is named on Mortgagor signing under false pretenses without clear definition or directions to do her as to what she was signing. She was told to sign documents ( no initialing ) because of mother 's age ( XXXX XXXX XXXX ) and because there were XXXX alleged judgments listed w/o any account no etc., which had to be satisfied. As much as I recall there was never any clear identification as to whom they belonged too? Yet somebody was paid in the " air '' as I never received any statement of any payment made in full to these XXXX alleged judgments/liens? It is my belief initials were added w/o knowledge as my daughter was not there at the time of the entire closing and signing of documents in XXXX for XXXX at XXXX XXXX XXXX ( no confirmation ) yet it is indicated on original documents from XXXX XXXX including U.S. Department of Housing and Urban Development that {$9300.00} was paid to creditors to satisfy debt and it is also duly noted in Mortgage documents of XXXX XXXX including account numbers. Amount of Modified Indebtedness : {$200000.00} - where are the paid in full for this additional amount opposed to {$200000.00} and yet I have been contacted by the law office of XXXX XXXX XXXX that there is a lien on the house in the amount of {$1600.00} from XXXX XXXX of XXXX that was never paid in which this is clearly stated in original documents that it was paid as in all other debts at that time and yet I never received no confirmation of all these payments? Now, I find out XXXX years later that liens remain on XXXX XXXX XXXX , XXXX , IL XXXX because somebody pocketed the {$9300.00} as is also clearly stated in the court documents that you filed against me on XXXX Court No, XXXX indicating paragraph XXXX ( i ) {$200000.00} was owed. Since I have so much proof of fraud on XXXX Bank and SPS falsified documents including add-on re daughter 's initials and signatures but also stealing money that was supposed to satisfy judgments and other debts, I am requesting that a DETAIL investigation begin before I file criminal charges against all entities involve in federal court on suspicion of mortgage fraud and predatory lending. I will file a separate complaint against XXXX XXXX for allowing a debt over 9 years old to remain as a lien on my property since this was paid in full in XXXX for violation of FCRA & FDCPA! Complaint filed for Breach of Contract under Loan Modification approved XXXX XXXX by XXXX Bank. Loan Modification was approved in XXXX at a reduction of {$1400.00} as signed by VP of XXXX Bank but was never executed in any mortgage statements and therefore I was overcharged for years as clearly stated in court documents yet I made payments on time to XXXX Bank asked for before my mortgage was transferred to SPS in which due to negligence never thoroughly investigated and SPS would had seen this but ignored.The real reason XXXX XXXX XXXX 's name was added without SSN, DOB, Income Verification, and Proof of Income of Debt on Mortg Loan? Because of a judgment that was paid XXXX so XXXX added her name without SSN, DOB and proof on my daughter and it is clearly noted on the XXXX XXXX Commitment Schedule B that they were paying XXXX judgments never asked.Since the Loan Modification was never applied from XXXX to XXXX and my XXXX payment not acknowledged in XXXX, I have been overcharged by XXXX Bank in the amount of {$4100.00} plus interest. XXXX XXXX a 2 hour RECORDED conversation w/SPS, they contradict what they say and their records should be subpoena for clarification as I was offered {$10000.00} Short Sale ( in which I am trying to do that now ) under XXXX, " Cash for Keys '' $ XXXX XXXX my XXXX loan was transferred to SPS w/incorrect info.mortgage of XXXX suppose to have been XXXX never corrected

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