Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Item 1 : SPS failed to provide all items requested in the First Qualified Written Request ( First QWR ) in particular any and all legal documents identifying SPSs Standing to collect my mortgage payments, as an alleged servicer, in view of the case XXXX v. XXXX XXXX XXXX ( ANx ) in the XXXX XXXX of California and further in view of California Supreme Court case XXXX XXXX XXXX XXXX XXXX Mortgage XXXX. 

Item 2 : Limited response provided by SPS regarding my mortgage balance is willfully and fraudulently misrepresented by mixing many other unrelated pages in double sided printing without any continuity of any page number. To date, I have incurred {$4500.00} attorneys fees to decipher what was in SPSs limited response. Simply it is NOT understandable, even to a skilled attorney and litigator with over 35 years of experience. 

Item 3 : Internet search revealed that SPS has negative reputation. SPSs owners/executive officers and SPSs primary business objectives are to fraudulently manufacture via illegal loop holes ( such as willful misplacement of payments and fraudulent purchase of forced placed expensive property insurance, in spite a customer having a property insurance already XXXX to foreclose customers home. Internet chat revealed that SPS is organized like a Racketeer Influenced and Corrupt Organization ( RICO ) .To this effect, it appears that SPS fraudulently tried to cancel my property insurance with XXXX XXXX and purchase a forced placed insurance ( subject to discovery and subpoena ) and this also breaches XX/XX/XXXX Written Settlement Agreement between XXXX and XXXX  subsequently by SPS. 
I have my property insurance through XXXX XXXX since about XXXX, as it bundled with my auto insurance. 

XXXX XXXX got an email reply ( see below ) from SPS regarding my existing property insurance. 
Sent : Tuesday, XX/XX/XXXX at XXXX PM From : XXXX To : Mo XXXX Subject : My Coverage Info Information Received Thank you for submitting your document ( s ) using MyCoverageInfo.com/sps. This email is to provide confirmation that your information has been received. Please do not reply to this message. 
XXXX This e-mail message and all attachments transmitted with it may contain legally privileged and/or confidential information intended solely for the use of the addressee ( s ). If the reader of this message is not the intended recipient, you are hereby notified that any reading, dissemination, distribution, copying, forwarding or other use of this message or its attachments is strictly prohibited. If you have received this message in error, please notify the sender immediately and delete this message and all copies and backups thereof. Thank you. 

XXXX XXXX also XXXX mailed twice ( 2 ) my property insurance Binder to Alleged Select Portfolio Servicing Inc & Its Successors Or Assigns. XXXX XXXX XXXX, XXXX, OH XXXX Item 4 : {$260.00} for alleged XXXX XXXX was paid via my personal check number XXXX so that my monthly mortgage payment for ( i ) principal, XXXX ii XXXX interest, ( iii ) property taxes and ( iv ) escrow ( for example for property insurance ) remains the same. SPS ( via chase ) conveniently cashed via ACH ( see below ) {$260.00} for alleged Escrow Deficit. 
SPS then increased my mortgage payment to $ XXXX month, while cashing {$260.00} for alleged Escrow Deficit ( see attached ). This is a Consumer Fraud and XXXX XXXX of escrow payment. 

Item 5 : Alleged servicer SPS willfully confused me in providing three ( 3 ) different addresses to send my monthly mortgage payment. This an effort by SPS to fraudulently claim that it did not get my monthly mortgage payment to fraudulently start the foreclosure in spite of the Loan Modification and XX/XX/XXXX Written Settlement Agreement with XXXX.

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