Date Received: 2022-07-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The creditor ( s ) is reporting that my wife, XXXX XXXX, and I opened an account with their company on XX/XX/2003. This is not correct. The company continues to report inaccurate information to the credit bureaus. I've asked for the original contract that we signed with them on XX/XX/2003. This information has not been received.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Shellpoint said that my property is XXXX. That is not factually accurate because I still have title to my property meaning I own property. There has been no deed or title transfer from the court. Shellpoint can not provide any document that shows I do not own my property currently. Florida is a judicial state and a title state.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, I entered into a mortgage agreement with XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. One specific rule was to make escrow payments for 12 months at which time I can request to remove the escrow. After a few months of payments the mortgage loan was sold to be serviced by another servicer named Shellpoint Mortgaging by Newrez ( Customer Service department at XXXX / https : //www.shellpointmortgageservicing.com/ ). I recently emailed asking to remove the escrow as we will be approaching 1 year upon XX/XX/XXXX payment. They wrote me back stating " THEY '' require 24months of payments before being released from the escrow. THIS IS NOT FAIR TO ME AS THE CONSUMER! I didn't have anything to do with changing the servicer nor was I asked if I wanted to change to the new servicer. They are monopolizing my money and it is NOT FAIR. I never wanted this escrow in the 1st place but COVID forced a situation on us that we had to take this loan. I had no idea what criminals these people are! Don't they have a fiduciary responsibility? Why should I get screwed by a company I didn't make any agreement? I want to be released from these chains of ESCROW immediately. Please help! Thank you, XXXX XXXX XXXX ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Mortgage was current as of XX/XX/2022. On or about XX/XX/XXXX I received a notice of foreclosure. I immediately called and made a payment of XXXX which they negligently or willfully never posted after giving me the payment confirmation number. In addition I was charged a XXXX fee which violates the terms of the original mortgage agreement. I no way did I ever agree to this late fee. The agent at Shellpoint told me that I was 3 payments behind and that was the reason for the foreclosure Shellpoint knew or should have known that I was not behind on my mortgage payments. In doing so Shellpoint violated both Massachusetts and FCPRA. by posting the defaults on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Consumer Claims Complaint Against XXXX XXXX and Shellpoint ( A Division of Newrez ) Both Mortgage Servicing Companies This complaint is against XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX XXXX Shellpoint This complaint is against Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Telephone : XXXX These companies practices are deceptive. XXXX XXXX is my current Mortgage Loan Servicer, and they fail to honor Loan Modification changes made to my loan filed by prior Loan Servicer Greentree Servicing recorded in XXXX XXXX Florida on XX/XX/XXXX. This XXXX Modification changed the terms of the loan as well as deleted my ex-husbands name from the Mortgage it as the Grantor and changed the terms of the Mortgage. Ex- also relinquished his rights to property by signing over the Deed to this property as well. The loan Servicer before XXXX was Shellpoint Mortgage, I was in review for a Modification of my mortgage when my loan was transferred to XXXX. Note, that Shellpoint didnt honor modification changes as well. These Servicers are involved in some type of illegal scam making funds from mortgage insurance and foreclosures. The Mortgage Servicer Ditech was servicing my loan in XXXX prior to Shellpoint. I filed for Bankruptcy in XXXX. XXXX wrote my Attorney and stated that a modification may involve some or all of the following changes to the mortgage loan : Bringing the account current Reducing the interest rate on the loan Extending the term of the loan, and or/ Delaying repayment of the portion of the loans principal until the maturity date Once I completed the Bankruptcy Ditech was filing bankruptcy and they never completed the Modification process- loan was transferred to Shellpoint who didnt honor Ditechs commitment to assist me- the circle continued. XXXX XXXX is currently misleading me in my current modification process. I have hired an attorney to assist with my Foreclosure process and have channeled all modification document request through my attorney to theirs. They are currently working behind the scenes using tactics like requesting that I send documents that were forward to them already over and over. Also, they are requesting that my ex-husband send documents to them as well. We have been divorced for years. Stalling and misleading me. They are using this tactic to prevent a modification from occurring so they can foreclose on a home. XXXX has filed for foreclosure. XXXX XXXX has yet to send necessary information for loan refinance. I have requested loan payoff information and have yet to receive this information and it starting to feel like XXXX is taking steps to prevent a refinance from occurring, since the refinance can cause the loss of revenues from losing my loan. ( Just received payoff XX/XX/XXXX ) Amount is inflated with fees. XXXX is a wholly owned subsidiary of XXXX, a specialized investment management firm focused on real estate, mortgage finance and corporate credit with more than {$20.00} XXXX in assets under management. My property has already been placed in pre-foreclosure status. Which demonstrates to me that this company is not operating in good faith. I started this loan Modification process last year and my loan was transferred to XXXX, and they are not operating in good faith. It is a hardship when they ask for me to re seen documents over and over. XXXX has placed forced insurance on my loan. I have sent copies of insurance information several times via email as well as my attorney has forwarded this information. I am asking that this company honor the original modification recorded and or make my loan more affordable by lowing the principal amount. Visit : XXXX XXXX XXXX for more information about this company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Newrez mortgage lending company. They continuously send out fraud letter to their property owners. I called newrez twice in the last month for re-running my credit for a refinance without my permission after I told them on a recorded line I do not want any inquiries on my credit report and they assured me there wouldnt be. Well they lied. When I call them to dispute the matter they transfer me to a different lender every time. They are scam artist. Send between 2-5 letters a week with a letter head of a different business then add their name and number in the mix of the fine print at the bottom of the page. Im solely looking to have the hard inquiry from XXXX XXXX removed from my report.Any help would be greatly appreciated. Consumers BEWARE OF SCAM ARTIST. Thank you, XXXX XXXX.
Company Response:
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2022, I XXXXXXXX an overnight packet containing two checks requiring co-endorsement that I received from XXXX XXXX XXXX XXXX for repairs to my home post Hurricane XXXX. Also contained therein was a contractors certificate of completion, as well as the claims adjusters repair estimate, as was requested by Newrezs loss draft department. This letter was received by the mortgage company on XX/XX/XXXX. As of today, XX/XX/XXXX, the funds are being withheld for absolutely no reason with another phony assurance that it will be another ten business days before the checks are sent back to me. And this, mind you, after I was cajoled into purchasing a XXXX overnight package for {$16.00} for speedy return of the aforementioned checks to pay the roofing contractor. This so-called mortgage company with its endless list of consumer complaints and shady business practices needs to be fined and shut down. I also have evidence of fraud in handling of the escrow account attached to my mortgage. Currently, a forensic accountant I hired is reviewing prior account statements. The loss draft department has been negligent in answering the phone in a timely fashion. I base this observation on my inability to speak with anyone there after hanging on for 45 minutes or longer several times. A recording during the wait advises leaving a message, but this has proved futile because calls are never returned. Actually, TODAY WAS THE FIRST TIME my call was returned but by someone who claimed to be a mere call operator ( would not give her name ) and couldnt answer specific questions I had. Ten more days for management to review the checks, maybe. And this only after I called corporate headquarters in attempt to speak with someone in upper management. My mortgage loan was sold to Newrez by XXXX perhaps 4 to 5 years ago. Given the long list of complaints against Newrez by employees, customers and former employees, it is most unlikely I would select such abysmally dishonest company to conduct business with. Today, I called a Newrez/Shellpoint toll-free number and was instead greeted by an obnoxious salesperson with no interest in helping customers, only selling some kind of XXXX XXXX device completely free! Purchasing something as mundane as toilet paper ( use it once and throw it away ) from Newrez would be fraught with XXXX. Caveat emptor. This company is without question another XXXX in the making. It desperately needs to be investigated. XXXX is too kind a word.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The XXXX has been working with us ( my wife and I ) and has been engaging with Shellpoint XXXX XXXX dba Newrez LLC. XXXX is willing to pay the cost as 2020 due to COVID. Additionally, my wife and I are willing to pay XXXX dollars in addition to what XXXX is planning to pay. This leaves about XXXX that we are requesting Shellpoint to act in good faith, total consideration, and modify the morgage However, Shellpoint seems to demand all the money to be paid right away. Shellpoint has sent a proposal to XXXX asking for all the money to be paid off. If not, Shellpoint want us to mortgagors to pay the money. Our complaint is that Shellpoint is acting out of the consideration to prevent the foreclosure and is denying us the right to modification considering the XXXX is stepping in to support in every way possible as well as our efforts to pay XXXX dollars. We have XXXX children and foreclosing the property will destabilize us and we won't have a place to live. We want to keep the property and continue paying our mortgage as it should be. Since my last complaint, we have applied for modification several times and Shellpoint has been denying us. We are completing another one tomorrow and if Shellpoint is not going to consider what XXXX is paying in addition to what we are paying, XXXX dollars, then they will deny us right away. Shellpoint should grab the opportunity to prevent the foreclosure by modifying the mortgage.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My monthly mortgage payment is {$550.00}. I have autopay setup on my personal banking and the amount which is due on the XXXX of every month is sent to my mortgage company 4-5 days prior to the due date. I received a telephone call from Shellpoint Mortgage on XX/XX/XXXX at XXXX XXXX. demanding payment for my mortgage. The caller stated that they had not received a payment for the month of XXXX. I informed the caller that I send the payments every month a few days in advance which is deducted directly from the bank account and that I've never been late on a payment. She said that she would have someone else look at the account and contact me within the next couple days. On XX/XX/XXXX at XXXXXXXX XXXX., I received a call from the same number but was unable to answer while at work. The caller did not leave a message. On XX/XX/XXXX at XXXXXXXX XXXX., I received an e-mail from Shellpoint Mortgage that there was no record of payment found. On the same day ( XX/XX/XXXX ), I contacted the mortgage company and was told that my payment was increased that I was notified in XXXX via e-mail. I do not typically receive that type of correspondence via e-mail nor did I receive such an e-mail. Every year, Shellpoint Mortgage sends a request for proof of insurance and every year I provided the requested document. On XX/XX/XXXX, I received a letter in the mail from Shellpoint Mortgage confirming that they received my proof of insurance. On XX/XX/XXXX, I noticed on my mortgage statement that there was an increase in my payment and a current escrow balance. On that same day ( XX/XX/XXXX ), I contacted Shellpoint Mortgage over the telephone and was who was informed that they needed additional proof of insurance. I spoke with a young lady by the name of XXXX who provided me with a Reference # XX/XX/XXXX. She said that once I emailed her the additional document, that she should request to run a new analysis payment adjustment to return the payment to the amount that I normally paid. I never heard from her. So on XX/XX/XXXX, when I received that telephone, it came as a surprised especially since I was still awaiting a response. Shellpoint Mortgage has increased my payment and marked my record as having a late payment for which they charged me {$11.00}. Additionally, they have not been applying my payments correctly. Their website shows that my payments are going towards Mortgage Principal Only which it should not be. According to Shellpoint Mortgage, they have increased my payments to {$690.00} with no explanation. I have filed a complaint with the customer department but would like assistance with getting this resolved.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Creditor - XXXX ( Mortgage from Shellpoint NewRez ) Status comment : Paid, was past due 180 days or more Remove the was past due 180 days or more. I was part of the governments sanctioned forbearance plan and as a XXXX protected person I am unfairly being targeted by this additional statement by not being able to obtain housing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A