Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We need to stop this trustee sale scheduled for XXXX to allow us to keep our home. 
*Most importantly California law bans dual tracking and a law imposed to elimination Banks, and third parties from violating our Homeowners Bill of Rights as which is where a servicer simultaneously evaluates a borrower for a loan modification and pursues a foreclosure of the property.Quality is writing me telling me that I have until XXXX to complete the Loan modification one day after they plan on selling my home!! What????? SPS wrote us and said " we would extend the sale date 30 days but your sale date is XXXX, XXXX '' although they said that all paperwork was complete to get a loan modification. THIS IS DUAL TRACKING and is violating my Homeowner 's Bill of Rights and a violation of the law. This is a company that had done a lot of violations and has cost much damage. Here are the Bullet points of illegal behavior and I have XXXX inches of documents to back up each point that I can send to you. Take note that this company SPS has violated federal law by making an inquiry of my credit report without my authorization. This is a violation of the FCRA as well. Above stated property was fully reconveyed in late XXXX, early XXXX. The following are pages of evidence to show this fact. We as a family are very concerned about the actions taken by SPS ( Select Portfolio Servicing inc. XXXX XXXX XXXX XXXX XXXX XXXX , Utah , XXXX. ) as they are threatening to take our property. They did not give us a XXXX either even after they indicated that the file was complete. Eight months now, we have been dragged around by this unethical and abusive company. I believe that there has been an abuse of authority and that there is grave danger to Homeowners as well as the United States. I have been lied to and purposefully misled as well as multiple violation made by Select Portfolio Servicing ( and non-disclosed affiliates with SPS ) against me that I believe with the evidence of intentional negligence by SPS et.al and I need protection under the Whistle Blower Protection Act. I also have intimate, and actual knowledge of these illegal actions, still occurring concealment and unfair and I can expose the how major institutions are taking advantage of Americans. About 8 months ago I began to receive letters from SPS attempting to collect a debt. What debt? I own my home! They were aggressive and persistent and intimidated me with threats of taking my home. This was absurd and I was frightened. After months of letters and calls back and forth and getting SPS the documents they demanded, they now want to foreclose on my home XXXX XXXX, XXXX. And now XXXX XXXX, as they keep postponing it. I was told by SPS through written Communication ( XXXX XXXX letter ) and Verbally several times that the loan is Complete, for Modification with Principle Reduction down below the valuation conducted by SPS ( Affiliates/Silent Partners including : XXXX XXXX XXXX XXXX, XXXX, ETC. ) in late XXXX. XXXX Title 12 Code of Federal Regulations, sections 226. 18 ( j ) 31 USC : 1901, USC : 1901, Etc. ( Please refer to the Accepted Certified Letter acknowledged XXXX/XXXX/XXXX. Default was never disclosed to the Trustee, or homeowner, and other material facts about the loan for example : subject loan originated by the was a negative amortization and that it was a " Cover Loan '' or " High Cost loan was violated the IRS - tax shelters known as REMICS XXXX & XXXX. Fraudulent, business practices of XXXX XXXX Bank XXXX violations are known under the False Act under the DOJ. They mislead with unreadable and burdensome small print font using front and back pages confusing and misleading me, violations of false broker price opinion and appraisal conducted, broker appraisal was manipulated to reflect higher without referencing the detail. SPS et. al checked my credit without my permission.

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