Date Received: 2018-01-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We received ourmortgage from XXXX XXXX XXXX in XX/XX/XXXX.We have never fallen behind on my payments until I experienced two major medical issues, one of them is XXXX which I am receiving XXXX treatment for. I have applied 3 times to XXXX XXXX loss mitigation department to get help with my hardship because I do n't want us to lose our home. We are elderly and need help from our lender to get current and start making mortgage payments again. Each time we have been denied for assistance because the investor refuses to grant us a trial modification for no reason other than they would rather foreclose. We received this mortgage from a public lending institution during the period of time from XXXX - XXXX that mortgages were considered predatory and should receive mortgage assistance if experiencing hardship. We meet all criteria and guidelines that the federal government put forward to keep people like us from losing our home. I know HAMP is now expired, but it was n't expired when we first asked for help, and they still refused. Most recently we spoke with XXXX XXXX who told us clearly that the investor, XXXX XXXX XXXX, will not allow SPS to grant us a trial modification. Please help us.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: As of XXXX XXXX, XXXX, XXXX continue to be denied access to information per the Real Estate Settlement Procedures Act ( RESPA ) regarding my deceased parent 's home from XXXX XXXX XXXX XXXX, and more specifically, Select Portfolio Servicing , IncXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX My mother XXXX XXXX in XXXX XXXX and my father XXXX XXXX in XXXX XXXX. Their estate is insolvent and therefore, mortgage payments could not be made by the estate. The mortgage is currently in default. Shortly after my father 's passing, I timely initiated communication with XXXX XXXX XXXX XXXX and informed them of the situation. On XXXX XXXX, XXXX, I received notification from Beneficial stating, " Based on the documentation provided by you, or on your behalf, XXXX XXXX XXXX XXXX, acknowledges you as being responsible for the borrower 's estate. Our records have been updated to reflect this information. We are committed to facilitating communication with you regarding the borrower 's mortgage loan account and will work with you whenever possible. '' I forwarded this documentation to Select Portfolio Servicing in an effort to continue home retention option communications and successor in interest obligations, which was previously approved by XXXX during our communications. I was then later notified by Beneficial that my father 's loan was transferred to Select Portfolio Servicing , Inc. effective XXXX XXXX, XXXX, and subsequently transferred to XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, XXXX. XXXX did state that all documents regarding communications, negotiations, modification requests, etc. would also be transferred to SPS without interruption. Numerous requests to Select Portfolio Servicing, XXXXnc ( SPS ), including a Qulified Written Request, has been responded to with time delaying, strategic, " cookie cutter '' requests for me to get authorization from my deceased parents allowing me to speak with them regarding their account. However, they are sending notifications for my parent 's estate and myself to my personal home address. I was utterly disgusted by the telephonic conversation I had with a female representative of SPS on XXXX XXXX, XXXX regarding this matter. She was unresponsive, rude and unprofessional and did not even remotely attempt to resolve my issue or address my concerns. This is the well documented reputation of this company, past and present. There failure to adhere to the Realestate Settlement Procedures Act ( RESPA ), as well as New York State policies and procedures regarding any successor in interest of a deceased borrower is unconscionable and inexcusable. I can provide documentation for all or any of my communications for both XXXX and SPS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08085
Submitted Via: Web
Date Sent: 2018-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Office of the Comptroller of the Currency Securities and Exchange Commissions Customer Assistance Group Office of the Whistleblower XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Dear Governmental Agencies, I am disputing and filing a complaint that Select Portfolio Servicing ( XXXX ), XXXX XXXX XXXX and XXXX XXXX ( Attorney for XXXX XXXX ) refusal to fully validate the alleged debt. I have sent various QWR 's and verification of debt requests to them and they have not provided the key proof of claim elements requested. Additionally, the verification requires XXXX and XXXX and XXXX to provide evidence ( contract ) that they are working on behalf of XXXX XXXX XXXX. XXXX transfers the responsibility to XXXX XXXX XXXX and claims that its their issue but on the notice of sale issued by XXXX XXXX it states that they are working on behalf of the allege creditor ( XXXX XXXX XXXX ). Additionally, I have attained correspondence from XXXX XXXX XXXX dated XXXX XXXX, XXXX stating that XXXX XXXX XXXX, XXXXA was the owner of the note on this particular date. I also have a letter from XXXX and XXXX on XXXX XXXX, XXXX stating that XXXX XXXX XXXX was the current owner of the note and could not produce the original promissory note. In both statements the details followed : XXXX XXXX XXXX, XXXX, Successor By Merger To XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, For the Benefit Of The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX If this is the case there are some mail fraud, tax fraud, SEC violations, IRS issues and a variety of other violations associated with this alleged debt. I am releasing these documents to my attorney for inspection and I strongly advise all parties to govern themselves accordingly. After completing extensive research into the mortgage loan situation conducted by my legal research team, they have identified evidence of mortgage fraud, fraudulent assignments, chain of title issues, FDCPA, TILA, RESPA and a variety of other regulatory violations. XXXX obtained the servicing rights from XXXX XXXX XXXX of bad debt that was predicated on massive fraud that originated from the XXXX XXXX XXXX situation. My loan was initiated in XXXX from XXXX and was part of the pool of home mortgages that were securitized into Residential Mortgage-Backed Securities ( RMBS ). As a result, there was massive fraud and range of lending violations that negatively impacted the United States housing market that caused a collapse. Homeowners and the investors throughout the United States basically were damaged in the process and the Department of Justice ( DOJ ) sued XXXX XXXX XXXX for financial fraud on a variety of levels. In XXXX, XXXX XXXX XXXX ( XXXX ) sold bad debt and servicing rights to XXXX with both parties knowing that the old XXXX debt that originated between XXXX was predicated on fraudulent transactions and lending violations. I repeatedly asked both XXXX XXXX XXXX and XXXX to verify my alleged debt multiple times and they consistently provided conflicting information or lack of to this point. XXXX ended up settling the law suit for {$16.00} XXXX dollars with the DOJ and acknowledged their fraudulent conduct. There is massive fraud involved with my loan including chain of tittle issues, New York Trust violations, fraudulent assignments and a range of other lending violations. XXXX has never satisfied the proof of claim and I will present the evidence compiled by my legal team in the next ( 30-45 ) days. In summary, XXXX is trying to illegally defraud my family out of our property as a third party debt collector that lacks standing and the ability to verify the debt. They were aware of XXXX and XXXX past conduct and the debt that they purchased in XXXX. I have attached with this dispute the debt verification request and default notices that I sent to XXXX and XXXX XXXX. Additionally, I will be litigating against all parties that are associated with this fraudulent matter unless the attempted debt collection is resolved. The following transcript below summarizes the XXXX situation : XXXX XXXX XXXX and the banks it bought securitized billions of dollars of defective mortgages, said Acting Inspector General XXXX XXXX XXXX of the FHFA-OIG. Investors, including XXXX XXXX and XXXX XXXX, suffered enormous losses by purchasing RMBS from XXXX XXXX XXXX, XXXX and XXXX XXXX not knowing about those defects. Todays settlement is a significant, but by no means final step by FHFA-OIG and its law enforcement partners to hold accountable those who committed acts of fraud and deceit. Todays settlement attests to the fact that fraud pervaded every level of the RMBS industry, including purportedly prime securities, which formed the basis of our filed complaint, said U.S. Attorney XXXX XXXX XXXX for the XXXX XXXX XXXX North Carolina. Even reputable institutions like XXXX XXXX XXXX caved to the pernicious forces of greed and cut corners, putting profits ahead of their customers. Best Regards, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX alleges to be working on this issue that is ongoing. They have included XXXX XXXX XXXX as investor and or trustee whereas XXXX states in writing assuming the home owners stated the false info therein that they have nothing to do with this loan or alleged loan and we had never seen any documents pointing out XXXX so a QWR aka qualified writer request was never sent to them but to all of the banks involved. XXXX XXXX has alleged that there is a debt is real and is owed but according to the documents produced this debt was created by identity theft. XXXX XXXX along with XXXX XXXX XXXX XXXX XXXX, XXXX, Select Portfolio Servicing, XXXX XXXX XXXX and the alleged nominee and beneficiary XXXX aka XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have been placed on notice to Cease and Desist all attempts to collect a debt that is not that of the home owners. As well XXXX XXXX has mailed by USPS first class and this is mail fraud, sent letters addressing a XXXX XXXX XXXX and XXXX XXXX XXXX on two different occasions as well they have sent by way of USPS letters addressing a XXXX XXXX. These persons do not live at our home and we know not these individuals. We believe that there is either a major error in the persons they are attempting to collect from as in name and address and or its just fraud and therein XXXX XXXX XXXX Lending and such the like as well as all other banks and electronic registration systems have been made away by way of the CFPB website and have been served CEAST & DESIST documents on multiple occasions but continue to ignore the laws therein. XXXX XXXX also denied the home owners the right to establish a Trust account at one of their local branches. This is discrimination, in fact the Branch manager after learning whom the person was she asked him to get out and go to some other bank that would take your trust, embarrassing this person and making light of his civil rights and liberties. She claim when he asked that the XXXX no longer do the type of trust anymore rather a bank broker stated the day before that they could set up the kind of trust he was requesting and to schedule it for the next day. When the home owners would call XXXX and ask for the person whom signed the letters attached they would not identify them or herself. XXXX XXXX alleged to have acquired a loan from XXXX whom alleged to have acquired a loan from XXXX XXXX XXXX with forged documents and thereafter identity theft whereas how the loan was created and came about. When the banks where requested to to a Qualified written request XXXX was no longer in business, thereafter XXXX responded " we acquired the loan XXXX XXXX without verifying and validation just a letter stating we own your loan with multiple phone calls of threats of foreclosure and that it was good business to do so. Thereafter XXXX alleged that they acquired certain assets from XXXX when in fact they where given certain unknown assets from XXXX and was never clarified verified and validated. The first letter was sent to XXXX XXXX as the Qualified written request XXXX, again in XXXX and again in XXXX thru XXXX whereas they did nothing but make threats and attempts to trick us into bandaids cloaked and hidden as a loan modification whereas the loan would increase by {$20000.00} to {$30000.00}. Wherein all the time we continued to let them know we did not sign a contract or a mortgage with XXXX XXXX XXXX. Whereas XXXX XXXX President may have obtained our private information from XXXX XXXX XXXX. They XXXX XXXX and now sold to Select Portfolio Servicing aka SPS stated that the investors where XXXX XXXX and XXXX and XXXX XXXX are the trustees. When we asked SPS for a verified validated documents meaning signatures backed by law and or an affidavit they stated that we could travel to XXXX XXXX XXXX to verify documents which seems like a threat and a set up. Who in there right mind would travel that far to see documents that could be mailed to and back to the alleged servicer SPS and XXXX XXXX? That sounds strange. As well a letter presented with facts and law as in a correct response provided by XXXX XXXX XXXX stating that they have nothing to do with this alleged loan and that the loan they where involved in the year XXXX was paid off sold transferred. Such information provided by XXXX is very accurate and provide truth and light to the facts of our complaints since day one as of with the CFPB XXXX OCC XXXX and such the like in times presented to multiple agencies. XXXX Requests for information. In fact XXXX stated that the request was done in error due to the fact that the loan numbers had changed and that it had been originated with XXXX in XXXX whereas XXXX XXXX now SPS claims the loan was originated XXXX XXXX, XXXX. XXXX XXXX the notary on the alleged presented docs are forged by her and possibly someone else. We the home owners did not meet with XXXX XXXX on XXXX XXXX, XXXX. So the question is who did she meet with and how did she record documents within the XXXX XXXX County Registrar Recorder of Deeds office? In fact a notary must make sure she has signatures of the assignees aka home owners in a notary book all notaries keep with matching signatures and ID numbers which is recorded by the notary and requested by law so that identity theft does not occur. More issues, on several documents produced and provided by XXXX and now SPS there are thee different documents, one with no initials from XXXX XXXX XXXX, with handwritten numbers another blank document, and the third with new bar codes without initials. On the documents presented by XXXX XXXX XXXX now SPS they have multiple issues, one they are forged, two no matching signatures or ID numbers three no notary book whereas the assignees must sign and four no signers present. This is forgery which lead to the identity theft and creation of the alleged loan. XXXX Error resolution procedures. Also Notice of error.A servicer shall comply with the requirements of this section for any written notice from the borrower that asserts an error and that includes the name of the borrower, information that enables the servicer to identify the borrower 's mortgage loan account, and the error the borrower believes has occurred. A notice on a payment coupon or other payment form supplied by the servicer need not be treated by the servicer as a notice of error. A qualified written request that asserts an error relating to the servicing of a mortgage loan is a notice of error for purposes of this section, and a servicer must comply with all requirements applicable to a notice of error with respect to such qualified written request. XXXX XXXX sold the loan thereafter they notice two different letters were going out, one from the manager XXXX XXXX from the research department whom stated in a letter XXXX XXXX that the loan did or does not exist in their records. The second letter whereas XXXX XXXX stated the loan was real with no verification but allegations and threats attempting to place the home owners under duress hoping they would simply make payments then stated on the back of their letter that " the words mortgage loan and such the like does not mean you owe but if you do make payments its voluntary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2018-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: see attached, We have never received any response and it has been delivered. With proof.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2018-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX alleged to have acquired a loan from XXXX whom alleged to have acquired a loan from XXXX XXXX XXXX with forged documents and thereafter identity theft whereas how the loan was created and came about. When the banks where requested to to a Qualified written request XXXX was no longer in business, thereafter XXXX responded " we acquired the loan XX/XX/XXXX without verifying and validation just a letter stating we own your loan with multiple phone calls of threats of foreclosure and that it was good business to do so. Thereafter XXXX alleged that they acquired certain assets from XXXX when in fact they where given certain unknown assets from XXXX and was never clarified verified and validated. The first letter was sent to XXXX XXXX as the Qualified written request XX/XX/XXXX, again in XX/XX/XXXX and again in XX/XX/XXXX thru XX/XX/XXXX whereas they did nothing but make threats and attempts to trick us into bandaids cloaked and hidden as a loan modification whereas the loan would increase by {$20000.00} to {$30000.00}. Wherein all the time we continued to let them know we did not sign a contract or a mortgage with XXXX XXXX XXXX. Whereas XXXX XXXX XXXX may have obtained our private information from XXXX XXXX XXXX. They XXXX XXXX and now sold to Select Portfolio Servicing aka SPS stated that the investors where MERS XXXX and XXXX and XXXX XXXX are the trustees. When we asked SPS for a verified validated documents meaning signatures backed by law and or an affidavit they stated that we could travel to XXXX XXXX XXXX to verify documents which seems like a threat and a set up. Who in there right mind would travel that far to see documents that could be mailed to and back to the alleged servicer SPS and XXXX XXXX? That sounds strange. As well a letter presented with facts and law as in a correct response provided by XXXX XXXX XXXX stating that they have nothing to do with this alleged loan and that the loan they where involved in the year XX/XX/XXXX was paid off sold transferred. Such information provided by XXXX is very accurate and provide truth and light to the facts of our complaints since day one as of with the CFPB XXXX XXXX XXXX and such the like in times presented to multiple agencies. 1024.36 Requests for information. In fact XXXX stated that the request was done in error due to the fact that the loan numbers had changed and that it had been originated with XXXX in XX/XX/XXXX whereas XXXX XXXX now SPS claims the loan was originated XX/XX/XXXX. XXXX XXXX the notary on the alleged presented docs are forged by her and possibly someone else. We the home owners did not meet with XXXX XXXX on XX/XX/XXXX. So the question is who did she meet with and how did she record documents within the XXXX XXXX County Registrar Recorder of Deeds office? In fact a notary must make sure she has signatures of the assignees aka home owners in a notary book all notaries keep with matching signatures and ID numbers which is recorded by the notary and requested by law so that identity theft does not occur. More issues, on several documents produced and provided by XXXX and now SPS there are thee different documents, one with no initials from XXXX XXXX XXXX, with handwritten numbers another blank document, and the third with new bar codes without initials. On the documents presented by XXXX XXXX XXXX now SPS they have multiple issues, one they are forged, two no matching signatures or ID numbers three no notary book whereas the assignees must sign and four no signers present. This is forgery which lead to the identity theft and creation of the alleged loan. XXXX Error resolution procedures. Also Notice of error.A servicer shall comply with the requirements of this section for any written notice from the borrower that asserts an error and that includes the name of the borrower, information that enables the servicer to identify the borrower 's mortgage loan account, and the error the borrower believes has occurred. A notice on a payment coupon or other payment form supplied by the servicer need not be treated by the servicer as a notice of error. A qualified written request that asserts an error relating to the servicing of a mortgage loan is a notice of error for purposes of this section, and a servicer must comply with all requirements applicable to a notice of error with respect to such qualified written request. XXXX XXXX sold the loan thereafter they notice two different letters were going out, one from the manager XXXX XXXX from the research department whom stated in a letter XX/XX/XXXX that the loan did or does not exist in their records. The second letter whereas XXXX XXXX stated the loan was real with no verification but allegations and threats attempting to place the home owners under duress hoping they would simply make payments then stated on the back of their letter that " the words mortgage loan and such the like does not mean you owe but if you do make payments its voluntary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been working with SPS for a loan modification application. On XXXX XXXX, 2018, a letter was sent regarding the decision reached on behalf of SPS and the investor of the loan. The letter specifically states that " please note, income was not required nor considered as part of our evaluation. '' and it proceeds to state the reason for the denial is due to NPV. It continues to state that the NPV calculations are calculated using certain financial information about me and my account. It states that certain key factors such as property value and monthly gross income play an important role in the calculation. So how can I be provided a denial and told my income has nothing to do with it then being told it has everything to do with it? The only option I am being provided with is a short sale or deed in lieu. I was even denied a repayment plan because they feel I can not afford it, they did not even offer or give me a chance to see if I can. I will do anything to save my home and feel I am being set up for failure.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Today, XX/XX/XXXX, 2018 I called our mortgage servicer, Select Portfolio Servicing at XXXX this morning and spoke XXXX minutes to a XXXX XXXX about the XXXX XXXX XXXX XXXX since we have a XXXX loan with them. I asked about the {$10000.00} reduction and how we could get it. I was advised we did not qualify and asked why and could I also get it in writing and was told we could not. I would also like to know why we have no equity in our home as we have been making monthly payments and there is hardly anything going to principle, all is going to interest, Current Balances Principal {$190000.00} Escrow {$750.00} Late Charges {$0.00} Total Fees {$0.00} Year-To-Date Balances View Last Year 's taxes and interest paid Principal Paid {$95.00} Interest Paid {$820.00} Taxes Paid {$0.00} Hazard Insurance Paid {$130.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MT
Zip: 594XX
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XXXX of XXXX Select Portfolio Servicing ... the crooks formerly known as XXXX XXXX, allegedly became the " servicer '' of my purported loan. They are quite non-responsive to multiple qualified written requests ... Under RESPA-I have requested : 1 ) A certified copy of their servicing contract 2 ) A certified copy of their boarding practices and employee training manual 3 ) Documentation over the past twelve months evidencing compliance with said practices/policies 4 ) SPS to send the original wet ink note to their attorney in MN so that my team can inspect it and determine validity/veracity 5 ) SPS to provide documentation reflecting that the purported " owner '', XXXX XXXX XXXX XXXX XXXX XXXX is : a ) Statutorily existent-DE XXXX says it ai n't b ) Active c ) funded d ) tax compliant e ) Was active/extant on XXXX/XXXX/XXXX f ) Since the trust XXXX says it can not accept additions to the pool after XXXX/XXXX/XXXX ... .how is it that it supposedly accepted a non performing loan more than 7 years later g ) Proof that an XXXX XXXX temp employee had the authority and complied with the legally necessary review and oversight prior to signing as a " XXXX XXXX '' ... smells like forgery. Notary violation. Bonding violation. h ) SPS please provide copies of your current bonds and contact info. for the insurers. 6 ) An explanation as to why, after multiple requests they have neither provided a complete transaction history ... or any form of explanation for its absence as required by RESPA 7 ) Why they behave contrary to the XXXX provisions, in non-compliance 8 ) What allows SPS to purport to be a servicer ... of an installment lease ( no mortgage, just bearer notes for bonding purposes, cancelled and converted at securitization ) ... in violation of the SEC ( AB 1122 ) and IRS bulletin 544? 9 ) Why is SPS not yet honoring my XXXX rescission? They did not take an appropriate adverse action within 20 days-thus rescinded.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55112
Submitted Via: Web
Date Sent: 2018-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-09
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Select Portfoliio Servicing has illegally contacted the owers of the property that which is in question and proven to be false and was created by identity theft forgery and creation of document and new documents recently created. As well a investigator hired by SPS Select Portfolio Servicing hired a man or company by the name of XXXX XXXX XXXX whom apparently are an finacial advisor based out of XXXX and fraudulently claiming to be based out of XXXX which the Country XXXX has denied herein. This has violated my private citisen rights and privacy acts therein. SPS has no contract with us. There are no credit reporting of XXXX XXXX XXXX, where XXXX XXXX by way of XXXX alleges and have been proven to be false that they aquired a loan from such parties, simply a lie. We have been cleared of any wrong doing of loans such as this that SPS has presented by the court of law with record and they have ignored those records and have share our private information with some fraudlulent company XXXX XXXX XXXX. Privacy law refers to the laws that deal with regulating, storing, and using of personally identifiable information of individuals, which can be collected by governments, public or private organizations, or by other individuals. SPS claims that they are following the law and a false contractual agreement. XXXX XXXX XXXX XXXX XXXX has provided proof that the attempted loan refinance was canceled on XXXX XXXX, XXXX. XXXX XXXX XXXX notary forged the home owners signatures upon documents dated XX/XX/XXXX which was filed a year or two later in the Los Angeles County Registrar dating it back toXX/XX/XXXX but seems clearly to be out of date and inaccurate. SPS simply has not show any laws that they are following but meerly states they are following the law, which law? SPS must provide the law they are following not a CCP of a FCP these are proceedures and not law, nor is it constitutional for SPS XXXX XXXX XXXX XXXX XXXX MERS and XXXX to share our private information ill gotten by a notary whom by the way does not have our drivers liscence information nor the correct names matching the state of California drivers liscence wherein XXXX XXXX stated on the forged Deed " XXXX XXXX normaly signs as XXXX XXXX XXXX '' What is that? That is forgery. We never met XXXX XXXX on XXXX XXXXXX/XX/XXXX and it has and can be proven with time sheets witnesses such as XXXX XXXX of XXXX XXXX whom provided the right to cancel documents on the same day, so how is it possible that we where in two places or three places at the same time? this is violation of the privacy act. The Privacy Act of 1974, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. The Privacy Act of 1974, as amended at 5 U.S.C. 552a, Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. The right to privacy refers to the concept that one 's personal information is protected from public scrutiny. U.S. Justice XXXX XXXX called it " the right to be left alone. '' While not explicitly stated in the U.S. Constitution, some amendments provide some protections. Therefore they SPS and XXXX XXXX XXXX should be fined based upon Federal Law and State LAW as well a violation of the US CONSTITUTION wherein these companies are foriegn herein to the USA. SPS and XXXX XXXX XXXX are in violation to the laws governed by the United States Of America and in violation to the US Constitution, The Fourth Amendment to the Constitution of the United States ensures that " the right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by oath or affirmation, and ... The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2018-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A