Date Received: 2022-06-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Shellpoint Mortgage reported my account as delinquent when it is not delinquent. The XXXX reporting is showing that this mortgage account is delinquent. The account was paid on XX/XX/2022 and Shellpoint has reported this account as delinquent on XX/XX/2022 2022
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90275
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have tried to communicate XXXX point mortgage, unfortunately I have not been successful. I have now received notices that I am delinquent on my loan, which is impossible since I prepaid my loan. I received the attached delinquency notice, which is impossible since I have prepaid my loan. My loan was refinanced at the end of XXXX and here are the scheduled loan payments period Mth Payment Interest Principal Date Balance Starting Loan Balance {>= $1,000,000} 1 ( {$8100.00} ) ( {$4500.00} ) {$3500.00} XX/XX/XXXX {>= $1,000,000} 2 ( {$8100.00} ) ( {$4500.00} ) {$3500.00} XX/XX/XXXX {>= $1,000,000} 3 ( {$8100.00} ) ( {$4500.00} ) {$3500.00} XX/XX/XXXX {>= $1,000,000} 4 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} 5 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} 6 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} 7 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} When I received the notice of the delinquency on XX/XX/XXXX, it shows that I had an outstanding balance of {>= $1,000,000}, which is even below what I would owe by XX/XX/XXXX. Attached are my actual payments and loan balances per Shellpoint 's own website. If I have prepaid my loan, how is it possible I'm getting notices of delinquency. This is a gross misrepresentation of what is happening.
Company Response: Company believes the complaint is the result of a misunderstanding
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am a victim of mortgage identity theft ( a federal crime ), misprison of felony ( when the judge or enforcement agency already knows that you are a victim yet continues to violate your rights ) ; ( the State of XXXX already has a list of victims in which they paid checks for and identified each victim ) ; fraudulent foreclosure auctions, schemes involving real estate fraud, discrimination, home title fraud, bid rigging at a foreclosure auction, theft by taking, theft by deception, tax and insurance fraud, conspiracy and racketeering, both criminal and civil and fraud on the courts. My family was held under armed threat, duress and coercion and forced out of our home. A crew of thuggish policy enforcers multiple county sheriffs came, drew their guns on my family and I forced us out, put me in hand cuffs and in the back of a police sheriff pickup truck. An unknown man, ( bank representative from XXXX ), and realtor from a real estate auction site XXXX XXXX were at the front door as I was forced out. This unknown man proceeded to change all the locks and removed with another unknown minor, all of my familys belongings. My XXXX camera caught the conversation of the sheriffs and the unknown XXXX representative stating they put homes in Trust, sometimes it works and sometimes it doesnt. The reason for that conversation is that my home was placed in Trust and recorded in the county register, and certified by the state of XXXX Secretary of state, all due faith, credit and authority. Full recording of sheriff conversation with unknown bank representative available. The fraudulent mortgage companies filed form XXXX XXXX or XXXX to the IRS. They stole my house and then were paid 10 ( ten times ) more than the principle amount.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31021
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Since 2005 we have had a bad situation with our mortgage. We only owed XXXX at that time. Applied for a second mortgage with XXXX While waiting for a date to close we find out employee was fired. He took all our information and we were told he was Shopping us out 2 days before his hire date at XXXX. I contacted everyone to see what could be done. He was fired immediately. Was investigated by the FBI. We were told he would never sell mortgages again He NEVER stopped. While he made our life a nightmare with an unaffordable mortgage. Then we received modifications from different banks. Finally XXXX XXXX XXXX gave us a mortgage we could afford. After a few months we received a letter mortgage was transferred to Shellpoint. Sent the XXXX. They didnt except it. Wanted XXXX more. Nothing changed with our income as I sent them that.could NOT get my husbands 401 on a hardship. No exceptions. He had to retire 2 years sooner than he planned just to get the money. Please help us stay in our home
Company Response: Company believes it acted appropriately as authorized by contract or law
State: RI
Zip: 02893
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: to whom it may concern, im writting to you regarding a concern about my loan with Shellpoint Mortgage XXXX # XXXX. As of XX/XX/2021 Shellpoint Mortgage XXXX # XXXX requested to produce a copy of y home insurance policy to verify the policy was active and valid. The same month a copy of the policy was provided to Shellpoint Mortgage XXXX # XXXX validating the current policy. Now after several months i found out that Shellpoint Mortgage XXXX # XXXX placed an extra insurance on my account claiming i needed a higher coverage like marble flooring, appliances, electronics, wood flooring, etc. required by the servicer of my loan ( Shellpoint Mortgage XXXX # XXXX ) i called my insurance policy to verify if the information provided by Shellpoint Mortgage XXXX # XXXX was accurate and valid. My insurance agent told me that Shellpoint Mortgage XXXX # XXXX was misleading me to pay for an extra insurance policy that is not required. Now Shellpoint Mortgage XXXX # XXXX charged my account without my permission and increased my mortgage payment substantially causing a financial hardship. i contacted Shellpoint Mortgage XXXX # XXXX and their insurance company and they keep refusing to cancel the extra policy that Shellpoint Mortgage XXXX # XXXX placed on my account, i requested a manager and supervisors who refuse to return my call for further escalation. i am now very concerned because my mortgage company put me in a situation where they increased my monthly payment and putting me in a hardship. please help since im running out of time and will be missing my next mortgage payment.
Company Response: Company believes the complaint is the result of a misunderstanding
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have morgage with shellpoint and they've been increasing my monthly payment more that {$500.00} because of the wrong " calculation with the escrow. I used the forbearance program for XXXX XXXX due to the covid situation but even in those months i added money to my escrow account to reduce the balance. I requested a payoff and after almost XXXX years with this loan they are changing me {$10.00} more of my original loan amount, when a called them they said that i have to pay double interest for those XXXX months that i was in forbearance, also they changing me {$7000.00} of " recover fees '' but they can't explain what is that.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was told on a recorded line that this refinance will Be the best deal Ill ever get! And the original owed principal Will not change! IT DID!!! They lied and coerced me into going ahead with the refinancing! I went from owing {$91000.00} to owing {$100000.00} in principle. It looks like they added the escrow into the principal.
Company Response:
State: IL
Zip: 60451
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We have paid off our account with this company back on XX/XX/XXXX and we still have not received or money back that was in are impound account $ XXXXwe have tried to call numbers times starting back on XX/XX/XXXX and we've been dealing with them ever since then we have called five times email back and forth talked over six to seven people over the phone and they keep giving the same things that the money is coming back to us but we have not received it it's been over 60 days now since it has been paid off according to the law they only have 20 days to give us back our money and we still have not received it.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2020, I was late making my mortgage payment to Shellpoint Mortgage Servicing due to COVID-19, which negatively affected my income. I contacted Shellpoint Mortgage Servicing in XX/XX/2020 to advise of my situation and ask for help. I was granted a forbearance and advised the late payment would not be reported to the three credit bureaus as the issue was due to COVID-19. However, the late payment has been reported to all three credit bureaus, negatively impacting my credit score. I contacted Shellpoint Mortgage Servicing via their website to request that the negative rating be removed from my credit report as it was due to COVID-19. However, I did not receive a response. Before XX/XX/2020, my account was in good standing with no late payments. My mortgage account is in good status, and I have not had a late payment since XX/XX/2020.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX, and my late wife 's name is XXXX XXXX. I have a XXXX daughter as well. I have been paying off my mortgage on my house for the past 12 years ( {$2600.00} per month ). I have never made a late payment in this period. During this time, the mortgage was sold to different companies ; currently, it is under Shellpoint Mortgaging Services. It has been so long that I do not even remember the original mortgage lenders. In XXXX XXXX XXXX my place of employment was shut down due to Covid-19 surges. Because of this, I applied for forbearance on the mortgage. Around 10 months later the shell point granted forbearance for 3 months. I appealed to this because I was behind 10 months due to their delayed response time. I called them and let them know my situation for the second time and they told me to apply for forbearance again. I applied again and there was a 7-month delayed response, but they granted the forbearance again for another 3 months when I asked for a year of forbearance. At this point, I was very behind on payments due to their lack of diligent response. I requested Shellpoint to resume the acceptance of my payments around XXXX of XXXX, as family members were helping me pay ( I still was unemployed at this time ). Shellpoint responded by saying that they would call me again in 2 weeks so I could resume payment. I never received a call from them. I called them again at that point, after the 2 week period asking specifically for the supervisor because the person who was tasked with my mortgage case was giving me a hard time. The supervisor took around 10-15 days to finally call me back. When I finally made the complaint to the supervisor, detailing that I wanted to resume payments ; she said that she would change the employee assigned to my mortgage but that I couldn't resume monthly payments until I paid off the entire $ XXXX {$20000.00}. I called them back and insisted that I wanted to resume monthly payments. I said that I could pay {$5000.00} to help in catching up. The supervisor took the payment, the next month I tried to pay again and they didnt take it. I called again the next month and offered to make a payment of {$3000.00} with resuming the monthly payment. They didnt take the money, so I asked for the supervisor to call me back. 2 weeks later the supervisor called and by that time the next month had started. She didnt want to resume the monthly payments, but she asked how much I could pay the same day and I gave her the {$3000.00}. Every month I tried to pay them, but they wouldnt accept anything. I called them every month to ask them to take the monthly payments, they continuously said that they wanted me to pay the lump sum. I am still currently unemployed and I am $ XXXX {$50000.00} behind, and Shellpoint has filed my house for foreclosure. They are now asking for {$420000.00} in full. My complaint is that they were not taking my payments and they are now purposefully putting the house on foreclosure. I can not pay {$420000.00}. The mortgage is under my wife 's name, I couldnt put it under my name. I can not get any government grants because of this, in order to pay them off. There are other Shellpoint customers that I know are going through this process of putting customers behind on payments, and putting them on foreclosure. Night and day I am getting calls from the Shellpoint collection agency asking for the payment of {$420000.00}. I was begging them every month to take payments and now they are wrongfully putting my house under foreclosure. I would like the Attorney General to investigate Shellpoint, as they are not following rules and ruining peoples lives. They have no one to answer to, and this is why they are getting away with this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60185
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A