Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
COMPLAINT ID XXXXmortgage fraud can be committed by both intentionally falsifying information on a mortgage fraud Complaint SPS Select Portfolio Servicing, Inc.Reproduction of closed accounts, without permissionnity Theft, Mortgage Fraud and Data Breach Fraud accounts are violated the FCCPA by claiming and attempting, through both dates was false or misleading, SPS Select Portfolio Servicing, Inc.Reproduction of closed accounts, without permission Dishonest/Deceptive .dispute with them which will go nowhere. Practice claiming to have had this mortgage statements since XX/XX/XXXX. Violated the FCCPA by claiming this attempted to collect payments. Documentation proof defenses should be an affirmative defense, not as an affirmative action under the FDCPA or the FCCPAmonthly mortgage statements, to collect through Disputed illegal account activity. SPS Select Portfolio Servicing , Inc. defrauding Mortgage Fraud and reporting real estate to 3 main credit bureaus XXXX XXXX Cancellation. -- Whenever the amount of money due on any mortgage shall be fully paid, the mortgagee or assignee shall within 60 days thereafter cancel the same in the manner provided by law. Response XXXX and XXXX. Inproper verification XXXX XXXX, XXXX {$100.00}, XXXX Defrauding Florida Laws violated state law and XXXX XXXX. An allege mortgage violated of sending debt collection letters that violate federal law, violation of the Florida Consumer Collection Practices Act, Florida Statute 559.55-.785 ( FCCPA ) by a violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692e ( 2 ) ( A ) and 1692e ( 5 ) 91 ( FDCPA ) by SPS`a violation of the FDCPA. Forged signatures, legal right when MIN:XXXX Note Date:XX/XX/XXXX MIN Status : Inactive Servicer : XXXX XXXX , XXXX . Phone : ( XXXX ) XXXX XXXX, VA misleading statements. such person knows that the right does not exist. Listing inconsistent dates, demanding funds, money to be wired to a payoff dept. routing/ABA # XXXX acct # XXXX for credit to XXXX Cancellation of mortgages, liens, and judgments. -- ( 1 ) Within 14 days after receipt of the written request of a mortgagor, the holder of a mortgage shall deliver to the mortgagor at a place designated in the written request an estoppel letter setting forth the unpaid principal balance, interest due, and the per diem rate. Whenever the amount of money due on any mortgage, lien, or judgment shall be fully paid to the person or party entitled to the payment thereof, the mortgagee, creditor, or assignee, or the attorney of record in the case of a judgment, to whom such payment shall have been made, shall execute in writing an instrument acknowledging satisfaction of said mortgage, lien, or judgment and have the same acknowledged, or proven, and duly entered of record in the book provided by law for such purposes in the proper county. Within 60 days of the date of receipt of the full payment of the mortgage, lien, or judgment, the person required to acknowledge satisfaction of the mortgage, lien, or judgment shall send or cause to be sent the recorded satisfaction to the person who has made the full payment. In the case of a civil action arising out of the provisions of this section, the prevailing party shall be entitled to attorney 's fees and costs.

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