Date Received: 2022-11-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called and asked if I could a deferred payment due to a medical procedure I had that kept me out of work for over a month. The associate gave me the wrong information telling me about a in-house program the company offered where it's not a deferred payment but the payment is spread over a XXXX month period and is not considered late nor will it be reported late on my credit report or effect my credit in any way. I had specifically told her this can not go on my credit report or I will not go through with the program and I would just have to get the money another way. She again told me that it was an in-house program and it stays in-house. They have agreed over the phone that they gave the wrong information but are refusing to remove the XXXX lates payments. The late payments are XX/XX/2022, XX/XX/2022 and XX/XX/2022. This account should not be reporting any late payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89433
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am a XXXX XXXX XXXX XXXX who experienced several setbacks, family deaths, and financial hardships due to the XXXX XXXX Pandemic. I applied for assistance with the XXXX Assistance XXXX and was approved for future payments. These payments have been sent to my loan XXXX Shellpoint Mortgage Servicing but they are not promptly applying these payments to my account. On XX/XX/XXXX they applied the payment to my account on that day. In XXXX they received the payment on XX/XX/2022 but did not apply it until XX/XX/XXXX, XXXX. I was advised by the XXXX Assistance XXXX the payment was disbursed on XX/XX/XXXX and to date they have not applied it. I am not sure why they are holding on to these payments and making my account have late charges ( they did waive the ones for XXXX ) because they already have the funds. They told me they have to wait until the payment is late to post but this is not true because they posted the XXXX payment on XX/XX/XXXX. This is causing great stress when I am already dealing with physical and mental health issues. When I called in XXXX the phone representatives kept telling me they did not receive the payment but in an email they advised me they did receive on XX/XX/2022 but did not post it until XX/XX/2022. I was thankfully approved for 13 months future payments which will be frustratingly aggravating dealing with the servicer not promptly applying the payments to my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Early in XXXX, XXXX, I was informed that Shellpoint Mortgage had taken over my existing home mortgage. I went to their website, as instructed, set up a password and username and logged into my account as instructed. The account, under my name, address, and loan number, instructed me that my payment was due XXXX XXXX, XXXX. I returned to the website on XXXX XXXX, and the same instructions were there, payment due XXXX XXXX, XXXX. Sometime during XXXX I received a letter saying I was XXXX months in arrears, XXXX and XXXX. I called and talked to a Customer Service Rep who said that some one else 's payment was credited to my account - an obvious lie, as no one else had m y name, address, and account number, and that I was in danger of foreclosure. I pointed out that the mistake was their 's as I had saved a copy of the XXXX pay date in my computer, had Printed out a copy of it, and taken a photo of it with my phone. He said, in essence, Tough Sh*t, pay up! I am XXXX XXXX XXXX and live on SS. With today 's inflation and gas prices, my SS does not last the entire month. I have to go, each month, to one of my kids ( who has his own family ) for these payments. When he was told no payment was due until XXXX, he used the money for other essentials. Now, I am being threatened with the loss of my house due to THEIR mistake. Please help!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 955XX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Shellpoint mortgage has a firm offer for short sale with proof of funds and financing arranged they have all the paperwork required by them filed since last Wednesday, with foreclosure scheduled for tomorrow it seems unfair that they won't take my offer I am retired XXXX and in need
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Shellpoint sent a response stating that their errors naming the wrong mortgage company and sending me notification on XX/XX/XXXX that they are my new loan servicing company starting XX/XX/XXXX as confusing. I never received their letter. Shellpoint reported to the credit bureaus I failed to make the XX/XX/XXXX payment. That disclosure ruined my credit. I paid the XX/XX/XXXX payment to XXXX XXXX as instructed by previous loan servicing " Community loan service '' according to their mysterious letter of XX/XX/XXXX Shellpoint letter I was to pay Shellpoint without any proof they were my new loan servicing company starting XX/XX/XXXX. Shellpoint said they were assuming the loan from XXXX. All my loan notifications and instructions were from Community loan service NOT XXXX. Shellpoint response to their errors said we apologize for any confusion this may have caused. I don't accept their apology I need my credit restored and return my mortgage payments returned. Shellpoint recent loss a class action law suit XXXX borrowers. I attached the law firms letter. I do not trust Shellpoint to resolve this matter. Hopefully XXXX XXXX will respond to my complaint
Company Response: Company disputes the facts presented in the complaint
State: VA
Zip: 22309
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the XXXX and XXXX XXXX XXXX XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$23000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93638
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Shellpoint stated in a XX/XX/XXXX, letter, " PMI disbursements were updated from borrower paid to lender paid, '' once the mortgage service provider " determined that PMI payments were not meant to be disbursed from Borrower 's escrow account, in XX/XX/XXXX. However, Shellpoint did not return Borrower 's misused funds until XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06066
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ditech/ShellpointXXXX XXXX XXXX XXXX worked together to commit fraud upon the court and deception to obtain a Default Judgement against me. During the time I was working with Ditech/Shellpoint Financial on a loan modification, the company violated RESPA Federal Law by dual tracking the loan. The mortgage servicer was requesting documents from me to process submission of my loan modification application. Also pushing me through the foreclosure process at the same time. Ditech/Shellpoint Financial , allowed me to think I would end up with lower monthly payments, but instead they never gave me an answer. At the sametime they obtain a default judgement to foreclose on my home. After receiving the default judgement on XX/XX/XXXX, they transferred the loan to a new servicer. Before XX/XX/XXXX, I spoke with a Ditech representative on the phone regarding a loan modification. An application was sent to me and I completed it and returned the loan modification application to Ditech. I was told the best way to submit the application was to Fax it back to them. I was given the fax number to loss mitigation. XX/XX/XXXX A fraudulent assignment of mortgage was created and signed by XXXX XXXX as Assistant Vice President with rights to assign mortgages. The assignment was to be returned to XXXX XXXXXXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX on behalf of Ditech/Shellpoint Certified pursuant to Rule 1:5-6c1E and Rule 4:64-1 to speaking with XXXX XXXX who according to her certification is also an employee of Ditech, and her title at Ditech is Document Execution Representative. XXXX certified to speaking with XXXX XXXX regarding the defaulted loan. XXXX certified this statement was true. This misrepresentation of facts was used to deceive the courts. XXXX XXXX a letter was mailed to me regarding the modification application I submitted. The letter stated that I had missing items. To preserve any applicable protections, I must submit the missing items by XX/XX/XXXX. XX/XX/XXXX Ditech/Shellpoint file a complaint in foreclosure. XX/XX/XXXX XXXX XXXX XXXX was submitted into the XXXX XXXX XXXX XXXX. XX/XX/XXXX Affidavit of Service claims to serve a friend of the family. Ditech advised I had until XX/XX/XXXX, to return missing items. The forms could be mailed or fax. I never received a letter saying my application was denied or approved. I made sure to return the missing items by the due date. I never received an answer. I made numerous calls and according to Ditech it was in process. Since I was not receiving any answer and I did not want to lose my home, I faxed another application on XX/XX/XXXX. I received no answer. I made sure to keep my fax sheet since I never received any answer from the previous application. On XX/XX/XXXX A request to enter default judgment was filed by Ditech/Shellpoint . On XX/XX/XXXX I submitted another application for modification. Once again, I received no answer. No approval or denial. I was so tired of calling and faxing I decided to send the application through certified mail. XX/XX/XXXX the application was received and signed by an employee of Ditech/Shellpoint . XX/XX/XXXX A NOTICE OF MOTION FOR FINAL JUDGEMENT, was filed by XXXX XXXX firm. They also used a different complaint to cover up the fraud they committed. This time they certify to speaking with XXXX XXXX from Ditech. XX/XX/XXXX A letter was mailed from Ditech/Shellpoint , stating that my case was assigned to XXXX XXXX XXXX I never received an approval or denial for any of my loan modification applications. Not even the one sent by certified mail. Which I know for fact was received. It was also received before the schedule of XXXX sale. XX/XX/XXXX An ALIAS OF WRIT EXECUTION was filed on behalf of Ditech/Shellpoint XX/XX/XXXX A letter was mailed from Ditech informing me that my loan was going to be transferred to Shellpoint effective XX/XX/XXXX. No notice of my loan modification application being approved, denied or transferred. XX/XX/XXXX Final Judgement was obtained. XX/XX/XXXX A CIVIL ACTION WRIT OF EXECUTION was filed on behalf of Ditech/Shellpoint . 10 days after notifying me of the loan transfer. XX/XX/XXXX Shellpoint was to begin servicing the defaulted loan. No answer regarding the loan modification application. No notification on regarding the application status. I do not know if the application was transferred to the new servicer. XX/XX/XXXX I filed for XXXX XXXXXXXX bankruptcy to try and save my home. It seemed like the only option, since Ditech/Shellpoint never denied or approved the numerous applications. They chose to ignore all applications and proceed with the foreclosure. XX/XX/XXXX Shellpoint objected to the Bankruptcy plan. They certified to being the owner of the note and assigned mortgage. They claim to have ownership since there was an Assignment of Mortgage. XX/XX/XXXX Assignment of mortgage was created/signed by XXXX XXXX Vice President of Ditech. XXXX XXXX is a robosigner/employee of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Same assignment of mortgage is recorded into the XXXX XXXX XXXX. A second fraudulent assignment of mortgage was created and entered into the XXXX XXXX. XXXX XXXX to falsely establish standing in court. The assignment is signed by XXXX XXXX as Vice President of Ditech. She is an employee of XXXX XXXX XXXX XXXX, by law XXXX XXXX can not legally transfer rights of any mortgage. XXXX XXXX is a robosigner, I have attached documents. Shellpoint knew it lacked standing on XX/XX/XXXX since the Assignment of Mortgage was not created until XX/XX/XXXX. Yet in Bankruptcy Court they claimed to be owner of the note and mortgage. They created the late assignment to deceive the court. A letter mailed on XX/XX/XXXX from Shellpoint states that they relied upon the same Assignment of Mortgage as proof of their ownership, and rights to collect. Numerous violations were made in an effort, to force a fraudulent foreclosure. Final judgement based on fraud on the court is not valid and should be voided. These companies violated RESPA federal law and to this day XXXX is using this fraudulent foreclosure judgement to foreclose on my home. XXXX has been enforcing a lien they obtained by deceit and fraud upon the court to schedule a XXXX sale of my home. Ditech, XXXX XXXX XXXX and Shellpoint are all debt collectors, who use the trust of the courts to commit fraudulent foreclosures. There was a misrepresentation of a material fact ; by some who knew that the material fact was false, and they used it to deceive the court. The court relied upon the misrepresentation of facts to make a decision against us. We have suffered actual, quantifiable injury and damages resulting from this deception and fraudulent judgement. XXXX, was once XXXX XXXX and XXXX XXXX, and has been found guilty of the same actions in the past. As a result, the firm was forced to report to the XXXX XXXX XXXX XXXX. The firm later changed their name to XXXX XXXXXXXX XXXX. To this day they continue to deceive and manipulate the courts system. I do not understand how our government can allow XXXX XXXX XXXX to foreclose on any Government backed loan. I have documents and records to support my claims.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08016
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Shellpointe sent me a copy of their welcoming letter. Shellpoint states my loan was transferred to Shellpoint by XXXX. The letter is dated XX/XX/XXXX. XXXX XXXX was not not my previous loan servicing company. I told Shellpoint many times XXXXXXXX XXXX XXXX XXXX was my loan servicing company. Shellpoint ruined my credit for a late XXXX payment. I paid the XXXX payment to XXXX as I was told in writing by XXXXXXXX XXXX XXXX XXXX. I asked many times for proof Shellpoint is my loan servicing company. XXXX was NOT my loan servicing company it was XXXX XXXX XXXX. Shellpoint knew this and yet continue to collect mortgage payments from me with misinformation. Shellpoint responded and said that they servicing company on a letter dated XX/XX/XXXX and mentioned the loan servicing company that was being transferred was from XXXX this is not accurate Shellpoint ruined my credit. XXXX ignored my many request to prove that they are servicing the loan company. XXXX sent me official notification that XXXX XXXX was my loan servicing company. Shellpoint saw the community notification but ignored it. Shell points response was that XXXX transferred the mortgage to them I advised them many times that community loan service was my service provider not XXXX Shellpoint also asked me to contact community loan service to prove that Shellpoint is my new loan provider. XXXX told me to pay XXXX XXXX in writing not to Shellpoint. Shellpoint sent a Copy of a letter that they say was sent on XX/XX/XXXX Shellpointe requested payment on XX/XX/XXXX. I told Shellpoint that I paid XXXX XXXX as instructed by XXXX XXXX XXXX. Shellpoint ruined my credit. Shellpoint took mortgage payments without any proof that community transferred the loan to Shellpoint. Shellpoint didnt even provide me proof that XXXX XXXX transferred my loan to Shellpoint. I did not receive any letter from XXXX telling me to pay Shellpoint, because XXXX was not my loan servicing company. Shellpoint knew all this and still took my mortgage payments without any proof they are my loan servicing company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22309
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Newrez/Shellpoint was the mortgage provider for my mother and fathers family home. Both my mother and father died in XXXX and XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote a check on XX/XX/XXXX to the estates of my parents for {$560000.00}. Shellpoint mortgage months later ( XX/XX/XXXX ) wrote a check for {$470000.00} to " EST OF XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to deposit this check in both of the estate accounts that I opened to settle out my deceased parents affairs and was told that the check can NOT be made out to both estates. XXXX XXXX XXXX XXXX XXXX XXXX both told me that the check can not be made out to both estates and that a combined estate account was not a thing. I have called Newrez XXXX times in recent months trying to get this issue resolved and have been told time after time that there is nothing they can do, and that it is their policy to write checks to all parties on the account in this case. This company currently owes my family {$470000.00} plus interest and is making no effort to get us paid. Their customer support has been awful and the people making the decisions, who could help do not take phone calls or apparently respond to emails. Please help us. I am simply trying to access these funds to settle out my family 's affairs and Shellpoint mortgage has ignored us and has essentially stolen this money from my family at an acute time of need. They have caused severe emotional and financial stress to our family and they should be held fully accountable.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92104
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A