To Whom It May Concern : Again we write in regard to unauthorized communications dated XXXX XXXX, 2016 and XXXX XXXX, 2016 received from SPS - Select Portfolio Servicing ( attached ). 

Please be advised that there is no debt owed to SPS or obligation incurred by the Complainant to SPS. SPS has made up an account is fictitious and fraudulent. SPS has failed to validate any debt as previously demanded by addressees. SPS has admitted to Complainant that SPS has misrepresented an alleged debt. SPS, its successors and/or assigns have no authority to act in any capacity in this matter. 

We do not and will not engage in the establishment of escrow activity of any nature, which SPS seeks to initiate. 

Be advised that all legal and relevant property bills have been paid and will be taken care at all times by the Complainant in contract with direct vendors only. 



BY : XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau 
