CFPB Complaint

SELECT PORTFOLIO SERVICING, INC. – CFPB Complaint ID 2751417

Consumer Complaint Submission

Date Received: 2017-12-11T00:00:00

Product: Mortgage debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: XXXX XXXX BANK NA CO MORTGAGE DEPT Reference number XXXX, XXXX : ATTENTION MERS MORTGAGE ELECTRONIC REGISTRATION SYSTEMS as nominee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NOTICE – MOST IMPORTANT – The documents for this alleged Mortgage Assignment is nothing but forgeries and robo signing at best.
NO ACTUAL FINDINGS – Within the request they the bank XXXX XXXX XXXX XXXX XXXX was requested to provide proof of said signatures that of the original signatures not forgeries. The signatures are proven not to be that of XXXX XXXX XXXX nor that of XXXX XXXX XXXX the real persons in flesh signatures. After receiving a letter on XXXX XXXX, XXXX for the request, XXXX XXXX XXXX XXXX ) from address XXXX XXXX XXXX XXXX OH [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX said that this loan information is not available aka [ does not exist ] not available on paper, microfiche, or image. They said in the letter that you may obtain a copy of you mortgage deed or warranty deed from a court house where the property is located. You may also request a Title policy abstract, settlement, statement, and survey from the title company that closed the mortgage loan. In other words this loan is paid off and is no longer in their system at this point and time, until XXXX XXXX XXXX filed a fraudulent Mortgage Assignment on the property XXXX XXXX, XXXX four months later after XXXX XXXX XXXX and XXXX XXXX XXXX had received the confirmation payoff letter as of XXXX XXXX, XXXX. This is deed fraud. Whom do not and has never given any permission to XXXX XXXX, nor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. WRONG IDENTITY – XXXX XXXX Bank has referred to XXXX XXXX XXXX & XXXX XXXX XXXX as similar names but which are that of XXXX XXXX XXXX and XXXX XXXX XXXX with a different location and city within the same state of California, as well as XXXX XXXX or as in XXXX XXXX using the same address within this claim. This is completely and utterly identity theft, fraud no contract. Wrongful foreclosure attempts are underway from a company whereas XXXX XXXX employees will attempt to secretly transfer the paid off mortgage which also is known as a closed mortgage, to a well known foreclosing company SPS Select Portfolio Servicing in which they will attempt to secretly foreclose the property while the owners are out of town state and or the county. Statues Of Limitations – California Civil Code – CIV Section 882.020 ( Amended by Stats. 2006, Ch. 575, Sec. 1. ) Cite as : Cal. Civil Code 882.020. Also see Pursuant to Section 360.5 of he Code of Civil Procedure. There are no forms presented of an actual ledgers, copy of a check for payments signed by the real persons nor an accurate date or timeline of events for this loan to have taken place. What has been presented to all seen in this complaint is nothing best of forgeries, identity fraud, fraud no contract, and fraud in the inclusion! The attempts of communications with XXXX XXXX XXXX and XXXX XXXX XXXX are therefore cut off, and has never truly existed with the Plaintiffs/real party ( s ) in interest on in the acts of harassment. The document dated XXXX XXXX, XXXX are all forgeries as stated multiple times to XXXX XXXX XXXX to its employees, and agents as in CEOs Chairperson, CFO and Representatives. Their response is internally created by former employees of XXXX XXXX XXXX XXXX XXXX XXXX XXXX that of XXXX XXXX and XXXX XXXX XXXX whom may or many not be real persons. Proof of the existence of an account of the actual establishment of debt account but the actual Sentient human XXXX XXXX XXXX and that of XXXX XXXX XXXX duly signed and written out by both parties and not any unilateral agreement. This would include but not limited to the actual agreement upon which the signature page has direct reference to the entire agreement XXXX XXXX XXXX and XXXX XXXX XXXX is an artificial entity, a title, of the limited liability fictitious corporation which is legal trade mark, which constitutes valuable legal interest of which all right, title and interest are reserved and of which you have filed to knotty the Caretaker and acceptance agent and supply proof of claim against the limited liability corporation. I declare under penalties of perjury in accordance with the laws of the United States of America ( without the United States ) Title 28 U.S.C. 1746 ( 1 ) the forgoing is true and correct and is admitted when not rebutted, so help me.

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XXXX XXXX # RWTD XXXX Date : XXXX/XXXX/XXXX Exchange MEMORANDUM and Reference Account Name : XXXX XXXX XXXX XXXX No : XXXX XXXX Treasury Direct Accrual to be passed through XXXX # XXXX XXXX XXXX : XXXX XXXX DATE XXXX XXXX, XXXX ACCOUNT NO. XXXX – XXXX AMOUNT {$460000.00} PREVIOUS BAL $ N/A CURRENT BAL $ N/A XXXX/XXXX/XXXX {$460000.00} plus interest if applicable and accruable TREASURY DIRECT ACCRUAL – XXXX – MEMORANDUM This is an Original Issue Priority. An active Private issue Account, Treasury Direct Accrual to be passed through Account number – XXXX with the processing of this International Bill of Exchange, The Fiduciary is To Be Held Harmless and has exempt status in compliance with The Accompanying Money Order, And when passing through the PRINCIPLE ACCOUNT of XXXX XXXX XXXX as noted above, /s/. The Money order was mailed to this person ; Mailed on XXXX XXXX, XXXX Registration Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX LA XXXX – XXXX & XXXX. Our attempt and final to do so is to settle unclear matters and move on to the matters that present themselves as clear such as the USDA GOVT BOND CUSP # XXXX. Therefore our findings and investigations present strong evidence that this debt is not a legal obligation nor a debt owed by XXXX XXXX XXXX and XXXX XXXX XXXX akas straw fiction and other types.

We have thoroughly investigated this issue and have found XXXX XXXX to be at fault and have continued to harass attempt to place under duress and commit other frauds therein and thereof this compliant claim account and situation, by using outside sources investigators and agencies. XXXX XXXX BANK has presented nothing from outside sources, have created space and time of delays with new fraudulent documents and have not allowed outside investigations to look into emails, ledgers, accounts, accounting and the CUSIP number Nothing XXXX XXXX presented is real, its all fraud. Their response from XXXX XXXX Bank and their attempted defense has been disputed line by line and item by item. Please note and make aware that XXXX XXXX has allegedly acquired all banks involved such as XXXX Mortgage XXXX, XXXX XXXX Co Bank XXXX and XXXX or it was given to them by the FDIC in XXXX. PLEASE ESCALATE THIS CASE CLAIM AND COMPLAINT TO THE US DEPT OF JUSTICE OR THE US ATTORNEY GENERAL. As the law states that of California Civil Code – CIV Section 882.020 that once a mortgage has expired four years well after and in this case ten years that no foreclosure is possible and a maturity date has expired this is the law of Any such actions well after the law has been presented in full force shall be ; extortion, fraud no contract, deed fraud, mortgagee assignment fraud, identity theft and a wrongful foreclosure attempt not limited to forgery ( robo signing ), breaking and entering private property for the second or third time, harassment, slander defamation, slander, libel.

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Company: SELECT PORTFOLIO SERVICING, INC.

State/Zip: CA 935XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2751417

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