Consumer complaint received 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
( 1 ) When the predatory lending and fraud that occurred in connection with the mortgage transaction that took place between XXXX and XXXX  XXXX XXXX XXXX there has been nothing but total CHAOS for most every signed mortgage holder who had a mortgage ( including myself ), with XXXX XXXX  XXXX. 

After this predatory lending and fraud occurred somewhere between XX/XX/XXXX and XX/XX/XXXXevery signed mortgage holder who had a mortgage with XXXX XXXX XXXX was left in limbo not knowing which way or direction to turn to submit future payments. Not until I took personal action to find out where and who payments were to be submitted did I learn that most XXXX XXXX were Sent to the XXXX  XXXX XXXX XXXX somewhere in Texas. I was never contacted nor received any Notices from the XXXX  XXXX XXXX XXXX. I has to request a Search to the XXXX XXXX XXXX XXXX to learn had they took over the mortgage rights, or not and this Search took over a year to be located. 

While this Search was in process, I hired XXXX XXXX XXXX XXXX, ( XXXX XXXX. XXXX XXXX, XXXX, NJ ) to perform an audit of his mortgage, and the results found the mortgage to be factitious with many errors included to increase and enhance getting the mortgage approved. ( Income was increased and changed fictitious initialing. ) After I was informed that his mortgage, ( account No : XXXX ) had been located by the XXXX XXXX XXXX XXXX, and received an address where the mortgage payments should be directed to and where to submit the audit report. I was informed by XXXX XXXX XXXX XXXX that payments could not be accepted, because the mortgage was in default I was, willing and ready to submit payments, but was denied of making any payments. My audit report was received at the address given but ignored. XXXX XXXX XXXX XXXX had took an height deposing of all XXXX XXXX In late XX/XX/XXXX all signed mortgage holder who had a mortgage ( including myself the defendant ), with XXXX XXXX  XXXX was summoned by XXXX XXXX XXXX XXXX law firm located in XXXX, PA in an attempt to institute a suit against XXXX and XXXX XXXX XXXX, charging {$650.00} per month to be included in the suit proceeding. I refuse to be included because its was a risk that this law firm would be able accomplish their feat at the expense of XXXX signed mortgage holders. Though who also refuse to get involved were warned to be aware of other claiming to be Consultants, Servicing companies, on behalf of, banks and mortgage companies scan schemes as all signed mortgage holder who had a mortgage ( including myself ), with XXXX XXXX XXXX were open market to be had. 
I received only one inquiry from a servicing company, known as ( SPS ) Select Portfolio Servicing, my first knowledge of SPS Select Profolio Servicing a debt collectors outfit came to me by mail at the property address on XX/XX/XXXX, with an loan account number that did not comply with being loan account number ( XXXX ) from XXXX   XXXX XXXX. 
I considered at the XXXX XXXX XXXX XXXX was just another modification, ( making home affordable advertising ) company seeking to get pervious XXXX XXXX holders. I had no knowledge of any connection between SPS Select Profolio Servicing and XXXX XXXX XXXX until I received written notice at a much later date. The notice dated XX/XX/XXXX. XXXX from XXXX  XXXX XXXX indicating the account No : XXXX is being transferred to another mortgage servicer, without specifying the name of this servicer. 
SPS Select Profolio Servicing continue to send me payments notices, not having any knowledge of the legitimacy of SPS Select Profolio Servicing, I proceeded and contacted the Independent Foreclosure Review Administrator to enlist into the HAMP modification program seeking guidence and direction to go. 
On XX/XX/XXXX. I received a check in the amount of {$2000.00} from the Independent Foreclosure Review Administrator as  compensation of this predatory mortgage issue to me. I also contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or Principle Reduction that will bring the remaining balance Current due to the errors and deficiencies the initial mortgage ) SPS Select Profolio Servicing continue their assault and aggravation on me to send payments to them, stating they where obtained by XXXX XXXX XXXX, XXXX. as trustee on behalf of the XXXX XXXX Trust Fund. an XXXX investors group and advise the were taking the matter to court, At this point, I choose XXXX XXXX XXXX to be represented by and has obtained their services in this matter filed XX/XX/XXXX in the Superior Court of New Jersey, XXXX Division of Union County Complaint for Foreclosure, Civil Action, Docket # XXXX by XXXX, XXXX XXXX XXXX, XXXX, attorney for the Plaintiff known as XXXX XXXX XXXX XXXX XXXX. as trustee on behalf of the XXXX XXXX Trust Fund. this fist court case was thrown out and dismissed. 
SPS Select Profolio Servicing, somehow got the court reverse the dismissal decision using another law firm, know as XXXX, XXXX, XXXX XXXX XXXX, XXXX. 

entering themselves in this foreclosure proceeding complaint as the " mortgage '' company and the XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. as trustee on behalf of the XXXX XXXX Trust Fund. as the Plaintiff. and has an open proceeding of a Sheriff Sale of the property that they have fraudulent advise the court set for XX/XX/XXXX. I hereby request the this court matter be " STOP ''.

Company response to consumer: Closed with explanation