Consumer complaint received 2024-08-01 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:
I am writing to file an urgent formal complaint regarding the foreclosure of my property located at XXXX XXXX XXXX XXXX fl. As XXXX XXXX XXXXXXXX individuals, my [ spouse and I ] are in a particularly vulnerable situation, and we respectfully request that you expedite the review of our case. 
The foreclosure judgment requires us to vacate our property within 30 days, causing significant hardship and distress, especially given our XXXX XXXX XXXX XXXX However, I have evidence suggesting irregularities in the foreclosure process, including : XXXX. A release of lien document that was not properly considered 2. Documentation showing that my loan was never securitized 3. Evidence of a fraudulent transfer of the loan through a questionable assignment 4. My trust was included in the fhfa settlement as well as doj settlement XXXX. I requested XXXX from Select Portfolio yet only received the payoff. Things requested were a list of items and they didnt provide any of the following. I requested in my original XXXX  : [ List all items from the original XXXX  that were not addressed ] Please provide this information as required under RESPA. 
XXXX. Clarification on Loan Ownership : You stated that the current owner of the loan is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Certificates XXXX XXXX XXXXXXXX Trust. '' This statement requires further clarification : a ) Please provide documentation showing the complete chain of trustee succession for the XXXX XXXX XXXX XXXX, including : - The date XXXX XXXX  XXXX XXXX original trustee- The date XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - The date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Any other trustee changes that XXXX have occurred b ) Please provide a complete chain of ownership for this loan, including dates of all transfers, from the original lender to the current owner. 

c ) Provide documentation supporting each transfer in the chain of ownership, including any assignments, transfers, or sales of my mortgage loan. 

XXXX. Additional Requests : a ) Provide the exact date my loan was securitized and placed into the XXXX XXXX XXXX XXXX. 

b ) Explain how my loan could have been placed into a trust created in 2006 if it wasn't originated until [ your loan origination date, if after 2006 ]. 

c ) Provide a copy of the Pooling and Servicing Agreement for the XXXX XXXX XXXX XXXX. 

d ) Provide a detailed explanation of how the interest rate on my loan has been calculated and applied since the origination of the loan. 

XXXX ) Provide a breakdown of the current mortgage balance, including principal, interest, escrow, and any fees. 

These issues were not adequately addressed during the foreclosure proceedings, and I believe they materially affect the validity of the foreclosure judgment. 

Given our vulnerable status and the imminent threat of homelessness, we urgently request a thorough and expedited investigation into this matter, particularly focusing on : - The validity of the foreclosure in light of the release of lien - The securitization status of our loan and its impact on the foreclosing entity 's standing - The legality of the loan transfer and assignment We are prepared to provide all necessary documents. Please research this information asap

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