Consumer complaint received 2025-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Related CFPB Complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB Representative : I am filing this new complaint specifically regarding U.S. Bank National Association 's violations in its capacity as purported trustee of the XXXX XXXX XXXX XXXX. This complaint is distinct from, but related to, my existing complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk : XXXX. Invalid Acceptance of Late Transfers : - Trust Closing Date : XX/XX/XXXX - Attempted Transfer Date : XX/XX/XXXX - Acceptance of assets XXXX XXXX XXXX XXXX XXXX XXXX after closing - Direct violation of XXXX XXXX XXXXXXXX making transfer void - Trustee 's failure to reject void transfer XXXX. False Claims of Authority : - Filing assignments without valid trust ownership - Claiming authority to foreclose without legal standing - Misrepresenting trust 's ownership rights- Failing to verify proper trust asset transfers XXXX. Pattern of Non-Compliance : - Systematic failure to follow trust documents - Disregard of governing XXXX XXXX XXXXXXXX XXXX - Improper authorization of foreclosure actions- Failure to maintain proper documentation Request for Specific Investigation : XXXX. Please investigate U.S. Bank separately from XXXX XXXX XXXX regarding : - Trust administration practices- Compliance with XXXX XXXX XXXX - Validity of claimed authority - Documentation of transfers XXXX. Do not simply forward to U.S. Bank for response- please review : - Trust formation documents - Assignment records - Transfer timeline- Foreclosure authorization XXXX. Consider Regulatory Action : - Pattern of trust law violations- Consumer protection implications- Need for supervisory intervention - Systemic practice concerns Supporting Documentation Attached : XXXX. XXXX XXXX showing XX/XX/XXXX closing date XXXX. XX/XX/XXXX attempted transfer documents XXXX. U.S. Bank assignment filings XXXX. Court records showing invalid claims XXXX. Timeline of events and violations Previous Regulatory Communication : - XXXX XXXX XXXXXXXX XXXX XXXX referral - Existing CFPB complaint against XXXX XXXX  XXXX XXXX XXXX documentation Impact : - Threat of wrongful foreclosure - XXXX family home at risk - Ongoing credit damage - Financial harm from improper fees I request that CFPB : XXXX. Investigate these specific trustee violations XXXX Review documentation independently XXXX. Consider enforcement action XXXX. Protect consumer rights XXXX. Address systematic violations Please contact me to request any additional documentation. I can provide complete evidence of all claims made in this complaint. Contact Information : email : XXXX Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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