Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
Select Portfolio Servicing , Inc . 
Sent XXXX a Notice of Default- Right to cure Dated XXXX XXXX. 
S.P.S. claims the lien holder is Bank XXXX, f/k/a Bank XXXX, as Trustee, in trust for registered holders of XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX XXXX XXXX SPS, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ). 
We dispute this claim and state : XXXX I XXXX XXXX threatened to foreclose/Remove us from our home ... for over 5 years. 
XXXX ii XXXX We have made payments to an organization or entity that had no right to title or to payments ; We have suffered actual damages in the form of : XXXX iii XXXX humiliation. XXXX iv ) anger. 
XXXX v ) anxiety. XXXX vi XXXX emotional distress. XXXX vii XXXX fear. ( viii ) frustration. ( ix ) embarrassment. 
( iix ) We have suffered damage to their formerly good credit. ( iiix XXXX XXXX family has been torn apart. ( xiv ) We NOW have a cloud on the title to our home. 
The threatened harm XXXX outweighs any substantial harm to the Bank XXXX, because Bank XXXX will suffer no harm whatever in being prevented from foreclosing/Removing Plaintiffs from their real property. XXXX Home XXXX 1. " The XXXX True owner of the real property in question. 
XXXX. Bank XXXX " Trust '' XXXX ... has not presented any evidence substantiating Bank XXXX " Trust '' XXXX ... ' claims of legal rights to the real property in question, and therefore pursuant to the maxim of law " evidence not in court does not exist XXXX Trust '' XXXX ... They have no evidence proving they are the legal owner. 
3. XXXX " Trust '' XXXX ' are attempting to unlawfully steal real property from its True Owner by committing the felonious act of filing false and/or forged documents in a public office to fraudulently establish legal ownership that does not exist. 
4. XXXX " Trust '' XXXX ... have no lawful standing to initiate foreclose or divest " The XXXX real property. 
5. XXXX " Trust '' XXXX ... numerous felonious acts committed against the State of Arizona are prima facie evidence of XXXX " Trust '' XXXX ... malum in se intent. 
6. XXXX " Trust '' XXXX ... numerous felonious acts committed against the State of Arizona bar XXXX " Trust '' XXXX ... from proceeding against " The XXXX in action7. True ownership is an ancient and un-abrogated common law principle that defeats any and all legal ownership claims, fraudulent or not. 
XXXX has been seeking to enforce an obligation and must be so entitled and not create forged documents to facilitate its ability to make a claim. 
XXXX is in violation of : See : XXXX XXXX. Presentment of false instrument for filing ; See also : XXXX XXXX. Definitions this chapter, unless the context otherwise requires:1. " Complete written instrument '' 2. " Falsely alters a written instrument '' 3. " Falsely completes a written instrument '' 7. " Falsely makes a written instrument '' 8. " Forged instrument '' 9. " Incomplete written instrument '' 12. " Written instrument '' XXXX " Trust '' Documents prove to be in-correct on their face and were obviously misstatements or lies. 
See Forensic Examination Attached to Complaint # XXXX " Supporting documents '' XXXX " Laws Violated '' ( XXXX XXXX Federal Trade Commission Sec 5 XXXX Unfair Business Practices - Deceptive Business Acts - Predatory Lending. ( XXXX ) XXXX XXXX. Assignment of Mortgage ( XXXX ) XXXX. Appointment of successor trustee by beneficiary ( XXXX XXXX Federal Trade Commission Sec 5 - Unfair Business Practices - Deceptive Business Acts. 1. Unauthorized Agent, Deceptive Business Act. ( C ) ( C ) USC 1341. Mail Fraud

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