Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
We have filed before and the Law firm dropped the foreclosure. They started it again we had to declare bankruptcy. Now they are trying to lift the stay. We found out new information on the loan. They have tried to foreclose 5 times. 2 of the times they filed unauthorized assignments so they could proceed to foreclosure, They do not have any proper assignments. The servicer does not have the servicing rights, they did at one time but they were replaced. There are other issues but they are foreclosing based on the 2 assignments. I will attached them.

Our house is paid for, and XXXX XXXX  XXXX is trying to foreclose. They ignore all the laws that are in place to protect Homeowners property rights. Select Portfolio Servicing ( the servicer ) cant even produce a signed note. I know for a fact, and I can prove that they lack standing. But I keep getting told that Judges don't want to hear about lack of standing. My main argument is still we paid for the house. Attached is a Loan Summary that will give a quick background. I think it will give you a good idea as to what is going on and if you think you can help us. I know were just one family, but I think they are doing it to other families, and it is unfair, they bully and intimidate, and they have falsified documents to cover their deficiencies on chain of title, payment histories, etc. One of their biggest arguments is that we signed, under duress mind you and with false information, modification agreements so it does not matter what we paid, and they do not have to give us a payment history back to the beginning of the loan. The loan was closed in XXXX and they only have a payment history back to XXXX. We have disputed the balance for years. The first Servicer did not give us credit for about {$52000.00} in payments. I have several pages of documents that I can provide but I thought I would give you an overview again to see if this is something you can help us with. XXXX has recorded assignments with the county using one of their Attorneys who claimed to be a certifying officer assigning the loan from one entity to another. He was not a Certifying Officer I can prove it. He did this so they could try to foreclose. They have tried to foreclose 5 times forcing us into agreements. Agreements they are now using to say we do not have the right to know a history of our Loan. We have all the payment support, and they ignore it. They have ignored it since XXXX. All we want is credit for all payments we have made. Payments that paid the loan in XXXX. We did not realize that it was paid off until recently, because we could never get a proper accounting of the loan. We spent weeks tracking down all the records for 15 years of transactions. We put it in a spread sheet and found out it paid off even earlier that we had anticipated. We are tired of all the intimidation and legal twisting of the truth. We need help with the legal predatory behaviors of XXXX and their XXXX Select Portfolio Servicing. I have decided to include a timeline of the loan I hope that is not to much for now. 
Thank You for your consideration. ( Its not everyday someone tries to steal {$800000.00} from you ) XXXX and XXXX XXXX.

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