Date Received: 2023-01-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: update : They refuse to respond to the state of maryland whose has approved HAF. They keep lying and pretending Maryland never contacted them repeatedly. original complaint : My Mother, a senior in her late XXXX, is being lied to and mistreated by Shellpoint Mortgage Servicing. She applied for HAF funds several months ago. In the meantime, Shellpoint offered her 3 months of trial payments to lead to a mortgage modification eventually. She didn't understand that if she completed shellpoint 's offer and also signed a mystery mortgage mod, that she would be considered up to date and no longer would quality for HAF funds. I caught this error before she signed off on a 40 year mortgage mod. Yes, shellpoint is offering a senior with a perfect XXXX credit score a 40 year mortgage. Now that HAF is back on the table Shellpoint is lying about contacting the state reps working to give out HAF funds. They ar emaking up imaginary dates that they tried to contact the state giving out the HAF funds. Meanwhile the state reps are on top of things and it's clear that Shellpoint Mortgage is conspiring to trick customers out of receicing HAF funds. It benefits Shellpoint to trick people into mortgage mods over customers receiving upto XXXX in principal reductions. They need to be monitored and investigated asap. Since first contacting Consumer Finance, Shellpoint appears to have committed fraud in the state of Maryland by lying to the Maryland Homeowners Assistance Fund which has caused a denial of a XXXX loan. They claimed that my Mother was in a modification with them and that she's not eligible for HAF loan. So they will make up total lies to undermine homeowners form receiving HAF funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20901
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: extremely hard getting touch with actual person Very lengthy process in getting the loan reworked Hidden fees we were not told about Payments not being processed on the website. It showed it processed and a week later no payments shown or processed from my bank not applying payment if not an exact payment amount, just holding while interest is added to loan. Extremely long on hold times on calls, possibly on purpose or they say they will transfer you and it goes back to hold or even worse tranfer you to someones voice mail and it says their voice mail is full. Does not let you pay extra principle on the website Very outdated information on the website Honestly just looking for a more reputable company. We did not choose shellpoint XXXX loan was tranfered to them during banruptcy. Feel as tho they take advantage of lenders when they do not have great credit. I am sure im missing additional items, Most important to me is to get the word out Shellpoint mortage services is a terrible company to deal with and people should be informed of it, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 54311
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is my XXXX complaint filed against XXXX. On XX/XX/XXXX my mortgage was transferred to affiliate company Shellpoint. Since the transfer date, it has been very difficult for payments sent and confirmed they were sent by HAF to be transferred to Shellpoint. These XXXX companies are connected and any correspondence is easily relayed regarding these complaints. However payments being transferred is a different story! According to XXXX both XXXX XXXX payments were sent to XXXX both on the first of each month. I have sent in an escalation to HAF in regards to missing payments in XXXX. I was notified that Shellpoint received XXXX payment from XXXX on XX/XX/XXXX and was in the process of posting it. They never posted the payment until XX/XX/XXXX. When a payment was posted and applied to XXXX. I am still unsure if this was a transfer payment sent to XXXX for XXXX or a current payment sent to Shellpoint for XXXX. Shellpoint Customer service is unsure?? According to Shellpoint customer service they state their hands are tied as to where XXXX payment is and when it will be transferred and also XXXX payment. They confirmed they have escalated this issue to XXXX as to missing payments not being transferred and advised it can take up to 60 days for everything to smooth out and payments being posted. It has been over 60 days and Im now receiving a threatening letter from Shellpoint for foreclosure if not paid by XX/XX/XXXX. This is unreal as it was not an issue to post these payments prior, they may have been posted late towards the end of the month but were eventually posted with no issue. Now that they transferred mortgage to there affiliate company ( due to me being on XXXX assistance ) they have lost the payments and no one in both companies can find. Not only will I be filing this complaint, I will also be filing a complaint with The Department of Treasury, for misuse of funds, the XXXX and also my State Senator!
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Attention, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, their employers, supervisors, managers, et al. not excluding their successors, predecessors, assigns, owners, partners or related or non-related whatever ( hereinafter respondents ), Please, affirm or deny the following in writing, point by point using facts of law and do deliver such to our ministry under penalty of perjury, within seventy-two ( 72 ) hours, or be held liable and in default that a JUDGEMENT be sought in a UNITED STATES FEDERAL COURT before a jury of twelve for the respondents crimes against our sister, the XXXX XXXX ( hereinafter victim ), in VIOLATION of the UNITED STATES CONSTITUTION and in VIOLATION of the ORGANIZED CRIME CONTROL ACT of 1970 ( XXXX ). Should the respondents choose silence as a response, said silent response will be noted as an insufficient response, and an insufficient response will be recorded as a non-response pertaining to respondents conspiracy to commit organized crimes in VIOLATION of the laws of the UNITED STATES. I allege XXXX XXXX XXXX and/or SHELLPOINT by successor in ownership, or XXXX XXXX XXXX XXXX XXXX singularly and/or collectively violated provisions of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1640, 1666 and 1681, by wrongfully, improperly and illegally reporting negative information as to me to one or more Credit Reporting Agencies, resulting in my having negative information on my credit reports and the lowering of my XXXX XXXX XXXX ( FICO ) score. I hereby dispute any debt and demand YOU to change any and all negative information reported to Credit Reporting Agencies or YOU will be in violation of The Truth In Lending Act 15 U.S.C. 1601, Privacy Act Title 5 U.S.C. 552 ( b ) ( 4 ), and Title 12 U.S.C. 2605. I hereby question the authenticity of ALL dates and/or ALL signatures by ALL parties on ALL documents, including without limitations, notarized documents, contracts, deeds, titles, affidavits, and/or the like, including without limitations the dates and/or signatures by notary publics, officers, employees, and any and ALL parties attesting to any and ALL claims, facts, accounting, transfers, recordings, publications, and/or the like, etc. I disavow any and ALL implied and/or conferred and/or inferred understanding of legalese terms now and at the time of the signing of any and ALL of the documents pertaining to the purported Mortgage. Whereas in deviation from the XXXXXXXX XXXX XXXX of XXXX wherein section XXXX it does clearly state, And be it further enacted, That it shall be unlawful for any officer acting under the provisions of this act to countersign or deliver to any association, or to any other company or person, any circulating notes contemplated by this act, except as herein before provided, and in accordance with the true intent and meaning of this act. And any officer who shall violate the provisions of this section shall be deemed guilty of a high misdemeanor, and on conviction thereof shall be punished by fine not exceeding double the amount so countersigned and delivered, and imprisonment not less than one year and not exceeding fifteen years, at the discretion of the court in which he shall be tried. In addition, whereas XXXX XXXX XXXX as TRUSTEES of the UNITED STATES BANKRUPTCY acting as TRUSTEES of the XXXX XXXX XXXX XXXX did commit a crime through their UNLAWFUL CONVERSION of the victims signed mark into a financial instrument that will shortly be reported to the CRIMES INVESTIGATION DIVISION of the IRS, the ILLINOIS COMPTROLLER and the UNITED STATES COMPTROLLER of the CURRENCY, XXXX either, knew, should know or should have known that any CONVERSION by the XXXX XXXX XXXX concerning the PROMISSORY NOTE bearing the XXXX XXXX XXXX XXXX into a FINANCIAL INSTRUMENT through which XXXX XXXX XXXX did obtain PAYMENT of over {$80000.00} UNITED STATES TREASURY DOLLARS without negotiation with the victim would be unlawful, XXXX XXXX XXXX did perform an UNLAWFUL CONVERSION once the victims PROMISSORY NOTE was CONVERTED into a FINANCIAL INSTRUMENT without DISCLOSURE to or NEGOTIATION with the victim in VIOLATION of the heretofore mentioned ACT, whereas, in addition, XXXX XXXX XXXX did FURNISH a DECEPTIVE FORM in VIOLATION of said ACT with WILLFUL INTENT to mislead the victim concerning the true source of funding. Whereas XXXX XXXX XXXX, its successors, assigns or other can not prove anything to the contrary, XXXX XXXX XXXX did not loan the victim {$80000.00} as the RESPONDENTS bookkeeping would indicate, as the money secured by XXXX XXXX XXXX on behalf of the victim was not applied to the victims debt, as the UNITED STATES would intend but was claimed as an asset belonging to the RESPONDENT although the RESPONDENT had not right or entitlement to claim such thus making the RESPONDENT guilty of IDENTITY THEFT with INTENT to EMBEZZLE UNITED STATES SECURITIES. XXXX XXXX XXXX also had no RIGHT or ENTITLEMENT to OBTAIN FUNDS in the name of the VICTIM by VIOLATING said ACT in any capacity. In addition, nor had the RESPONDENT right or entitlement to enforce any FINANCIAL INSTRUMENT, COMMERCIAL OBLIGATION or SALE resulting from the ILLEGALITY of the UNLAWFUL CONVERSION herein referenced nor did the RESPONDENT have right to TRANSFER anyright or ENTITLEMENT to MORTGAGE ELECTRONIC REGISTRATION SERVICES, or XXXX XXXX XXXX XXXX ( formerly known as ) XXXX XXXX XXXX XXXX XXXX, who in turn had no entitlement right to receive or transfer said ILL-GOTTEN INSTRUMENT to neither XXXX XXXX XXXXXXXX XXXX WHO IN TURN HAD NO RIGHT to TRANSFER any XXXX RIGHT, ENTITLEMENT or OFFICE to GREENTREE SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX whom had not right or entitlement to receive or transfer said ILL-GOTTEN ASSIGNMENT to NEWREZ LLC d/b/a SHELLPOINT who , in turn had not right to TRANSFER any INTEREST to the RESPONDENT, thus making all of the above participant accomplices to that crime initiated by the RESPONDENT UNTIL the victims property has been returned, as the RESPONDENT is liable for RESPONDENTS creation and enforcement of a XXXX XXXX XXXX XXXXXXXX through which the victim was FINANCIALLY HARMED and the XXXX kept from that lawful CREDIT GRANTED to the XXXX XXXX XXXX SOCIAL SECURITY XXXX XXXX XXXX XXXX XXXX by the UNITED STATES TREASURY unbeknownst to the victim. Pursuant to XXXX ILCS XXXX et seq respondents or any other responsible agent of RESPONDENT must produce or facilitate the viewing of an original contract signed in blue, wet ink by the legal representative of the complainant, a living flesh and blood agent of RESPONDENT and a non- interested third party as witness to said contract may exonerate respondents from the claims of identity theft and commercial fraud of which respondents on behalf of RESPONDENT are being accused. Whereas RESPONDENTS INDIVIDUALS, OFFICERS, EMPLOYEES, AGENTS and REPRESENTATIVES, are directed, controlled, financed, subsidized and/or compensated for aiding, abetting, counseling, commanding, representing, and procuring the gathering of information, soliciting, collecting, disbursing, dispensing contributions, loans, money, currency, or other things of value for, or in interest of INTERNATIONAL BANKS pursuant to TITLE XXXX XXXX XXXX XXXX and the INTERNAL REVENUE SERVICE XXXX XXXX al, are in fact engaged in inter-agency, international stipulations, agreements and commerce with the respondent and/or the INTERNATIONAL BANK for RECONSTRUCTION and XXXX XXXX XXXX and XXXX many- faceted subsidiary, artificial beings, Further, due to the residency and collateral fact that the RESPONDENTS and RESPONDENTS FOREIGN PRINCIPALS, ORGANIZATIONS, ASSOCIATIONS, OFFICERS, EMPLOYEES, REPRESENTATIVES, SERVANTS, or other INDIVIDUALS acting under their DIRECTION and CONTROL, are incapable of maintaining the integrity of the, Lawful, Constitutional Monetary System of the de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States of America, and XXXX not XXXX in Law or by birthright, i.e. Posterity, and have contributed to cause the victim grievous harm, damage and injury under pretense and colors, and are in breach of numerous legal duties imposed upon our Public Offices, making the RESPONDENT, by XXXX barred, estopped and precluded under the " XXXX Hands doctrine, '' from making any claim or right, title, or interest thereon. ( See : XXXX XXXX. XXXX ). Respondent is hereby given further NOTICE of this ministrys INTENT to SEEK, COMMERCIAL, and CRIMINAL PROSECUTION all those responsible under all applicable provisions and Mandates of the Ordained Constitution for the Union of several States of the United States of America, and Laws made in pursuance thereof, including, but not limited to 18 U.S.C. 219, 241, 242, 645, 654, 912, 951, and 1001. LET THIS NOTICE SERVE AS AN ESTOPPEL ON ALL CLAIMS, RESCISSION of ALL SIGNATURES AND OBJECTION OF ALL EFFORTS TO ENFORCE SAID UNLAWFUL CONVERSION CONCERNING THIS ACCOUNT AS FRAUD VITIATES ALL IT TOUCHES. DO NOT SELL, TRADE OR TRANSFER THE VICTIMS INFORMATION CONCERNING SAID ACCOUNT. SINCERELY,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60659
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a letter via mail, from my loan servicer ( XXXX XXXX Servicing ) that my loan was being transferred to Shellpoint, and would be effective as of XX/XX/XXXX. Prior to this notification XXXX Servicing and myself had already completed a loan modification after the forbearance had ended and this was effective as of XX/XX/XXXX On XX/XX/XXXX I received documents from Shellpoint alleging that my loan was XXXX days delinquent and XXXX was due. It appears that Shellpoint is attempting to disregard my contractual agreement with XXXX XXXX. I am requesting that Shellpoint validate these allegations with all documents that I am XXXX delinquent which includes the payment history to collaborate the allegations that I am XXXX behind on this mortgage. Furthermore, I would for Shellpoint to clarify where my payments on this loan are being held because their claim is that it is in XXXX or more suspense account ( XXXX ) I would also like a payoff letter stating the amount that is owed at the present time on my mortgage regarding my property. CARES act rules state that mortgages in forbearance should not be reported as having late or missed payments. And the forbearance plan should not harm your credit score. Therefore I am requesting that Shellpoint refrain from reporting any negative issue regarding this loan from being reported to any credit bureau until these errors of resolution are resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have reached out Shellpoint Mortgage Services several times in reference to account number ( # XXXX ) request the late payments from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX forbearance period. Be removed from my credit report. Theses late payments were during the Covid 19 Pandemic and as per the CARES ACT should have not been reported as late. Please remove late payments from XX/XX/XXXX to XXXX XXXX. Please update my report to reflect accurate information.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Shell point mortgage put me on cares act. XXXX of XXXX. They are demanding payment in full. I'm not behind on payments They stopped accepting any money from me in XXXX of XXXX. I was on the cares act plan. They have denied I was on this plan. They have denied me any way to get modification or forbearance. They have never notified of anything. I can prove their lies at every point of contact. They have had class action lawsuits filed an shell point lost every lawsuit. For the exact same thing they are doing to me. Theese people should be in prison. This is just a couple of the thing they have tried there is a lot more they have done an said an lied about trying to steal my house. I'm not upside down on my house Actually I have around XXXX in equity in my house. Please help me resolve this matter. I can document lie after lie by shell point. It's criminal what they have done..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70817
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am divorced. I am the only one on the loan. And they are talking to my X husband. I have not found out around it until the last minute. I am trying to keep my home they. Then need to talk my myself.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Your questions do not apply! XX/XX/XXXX last year I had a fire at my home, in XXXX XXXX, at XXXX XXXX. While in the XXXX, XXXX XXXX sent a group of XXXXXXXX XXXX, off XXXX XXXX XXXX, XXXX XXXX. This company did not have employees and contacted XXXX XXXX XXXX XXXXXXXX. They had No employees, so they picked a band of XXXX unsupervised XXXX, not bonded, and they destroyed my home. The water from the fire department was left to warp all the wood floors and created mold. XXXX XXXX sent the checks to repair the home. Shellpoint is a wantabe Bank/Collection company. The mortgage was with XXXX and XXXX sold the mortgage. My friend at XXXX XXXX stated it is illegal to with hold money for their own self centered reasons. Shellpoint told my son ; 'We are waiting for your Dad to not pay us. We will resell the house and keep your Dad 's {$33000.00} for repairs. ' I have a XXXX XXXXXXXX. I have Nowhere to live and a home I can not repair or live in. I have sent Attorney General XXXX XXXX information on this. Retained Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX is next. Open for ideas with these manipulating XXXX. They told my son, they want ME to pay off the loan and them what with the repairs? Contact me at ( XXXX ) XXXX text first/call, E-mail to XXXX, XXXX XXXX XXXX attorney at law, this hotel on XXXX XXXX XXXX XXXX XXXX XXXX. Good Luck working with thieves! Sincerely, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/2017, I was doing a modification with Ditech financial. I summited all proof of documents that the mortgage company required for the modification and even they have all court documents regarding with my divorce. I explained my situation and after of this process, I did payments as tryouts for 5 months and later said yes you qualified. But I was waiting for a later and how much I have to pay every month and I never got it. I been in a fraud, only they took my money without any answer. I did all human possible to keep my property and they only played with my situation. It is not legal even fair, I was all the time able to do my payments without answer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95961
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A