Date Received: 2022-05-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: New Rez/Shellpoint mortgage had been haphazardly reporting my mortgage loan to the credit bureaus since they acquired Green Tree Servicing XXXX XXXX. They also issued a late fee on my account last XXXX ( for a payment that reached them XXXX day late ) without my knowledge, claiming they notified me and they did not. I have made each and every payment ON TIME since New Rez acquired the loan. I tried calling them and emailing them to no avail. They did not respond to my email and their phone line was always busy. I then filed a complaint with CFPB regarding the late payment and haphazard reporting to the credit agencies. In turn, they maliciously retaliated against me and as a response to my CFPB complaint, removed my mortgage loan entirely from the credit bureau reports, causing my XXXX XXXX to drop XXXX points, stating : the loan was involved in a XXXX XXXX Bankruptcy which was filed on XX/XX/XXXX and was XXXX on XX/XX/XXXX. Because your liability was XXXX during the Bankruptcy, Newrez is unable to report the loan to the CRAs. Therefore, Newrez has submitted an interim report under control number XXXX to remove the tradeline due to the XXXX XXXX XXXX XXXX Please allow 7 to 10 business days for the update to reflect with the CRAs. The liability may have been XXXX but I have still PAID the MORTGAGE EACH AND EVERY MONTH ON TIME! MY attorney has advised me that NewRez must still report my loan to the CRAs. NewRez is suddenly unable to report the loan to the CRAs due to a XXXX XXXX XXXX from XXXX years ago. So why had they been reporting the loan without question since they acquired the servicing of the loan from GreenTree years ago, until I complained about XXXX payment that was XXXX DAY LATE?? THERE IS NO LAW PREVENTING NEWREZ FROM reporting my loan to the CRAs. They BLATANTLY did this because I filed a complaint with the CFPB. I will contact the XXXX and supply them with each and every statement showing that not only do I have a mortgage but I HAVE PAID IT EACH and EVERY MONTH FOR THE LAST XXXX years, regardless of a XXXX that was filed XXXX years ago! I bought this home in XXXX, as a XXXX XXXX XXXX. I raised both of my children here singlehandedly. I am a XXXX XXXX with student loans that are NOT going to be forgiven. And this is how I am rewarded for paying my mortgage every month? Now there is NO record of any mortgage on my credit reports. What is far worse is that NEWREZ/SHELLPOINT has caused my credit score TO DROP XXXX POINTS by callously removing it from my credit reports. With inflation this high, they have now added extra financial burden to my life. The cost of a lower credit score is detrimental to my existence, EVERYTHING will UNFAIRLY be more expensive for me now. This is NOT a true representation of my creditworthiness and NEW REZ should be sued for doing this to a XXXX XXXX who has gone through XXXX and back to raise kids, maintain a houseXXXX XXXX during a pandemic and PAY MY MORTGAGE EVERY MONTH ON TIME.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60586
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We are writing to follow up on our original complaint and to bring to surface additional consumer rights violations perpetrated by Shellpoint Mortgage Servicing and XXXX XXXX XXXX XXXX XXXX against us. For reference, the original complaint number is XXXX and our response comes at this time due to the fact that Shellpoint only recently provided us with loan modification terms. As stated in our previous complaint, we had suffered financial/economic hardship as a direct result of the COVID 19 pandemic. Per our rights as established by the CARES Act, we invoked a Covid forbearance on our loan until the financial hardship resolved itself. As the COVID forbearance was coming to a conclusion on XX/XX/XXXX, we followed all requisite steps to submit a completed loan modification application and received confirmation of such on XX/XX/XXXX from our then servicer, XXXX XXXX. In the beginning of XX/XX/XXXX, our loan servicing was transferred to Shellpoint. Shellpoint had a legal obligation to review our loan modification application as accepted and verified in writing as complete by the prior servicer, XXXX XXXX, and to provide us with wind down options AND to provide us with written explanation for any of the wind down options that we may not have qualified for within a 30-day window of application receipt. It took months for them to present us with anything despite our repeated attempts to get cooperation, and only on the heels of our first CFPB complaint. Shellpoint did NOT present us with any options or explanations as to the cause for our disqualification as to the multitude of federally established options ( e.g. : modification, restructuring, side by side payback, etc. ). Rather, they as part of their response to our complaint attempted to paint their willingness to work with us at all as some sort of concession. They are the mortgage servicer and do not have the legal authority to circumvent their legal obligation to us as consumers in direct violation of the law. Per the CFPB final rule : Unless the borrower states they are not interested, the servicer must also list and briefly describe to the borrower those forbearance programs made available at that time and the actions the borrower must take to be evaluated. They were and are OBLIGATED to provide us with options or at a minimum, detailed written explanations for disqualification of any of the options, which they refused. Further, after months of trying to get them to honor their obligation to us so that we could move forward out of this financially trying period of our lives, they put us on a 3-month payment trial accommodation. This payment trial was a direct accommodation granted to us as part of the Covid forbearance loan modification process. As part of this, they gave us absolutely no written or verbal explanation as to the potential terms of the trial period or subsequent modification. In an effort to avoid damage to our credit or loss of our home, we promptly made payments as scheduled by Shellpoint despite the fact that we had no qualified understanding or explanation as to the terms of potential modification. As an associated accommodation for which we were paying as scheduled, Shellpoint had no legal authority to damage our credit. Shellpoint delivered a modification package to us dated XX/XX/XXXX with requisite notarized signatures and return date by XX/XX/XXXX to accept the terms that they established we were given NO discussion or explanation from our account coordinator or a manager, just simply the option to accept their terms or allow our home to flip into technical default at risk of foreclosure. We begrudgingly signed the documents under extremes duress so as to not lose our house, but the Shellpoint conduct leading up to the offer of accommodation in addition to the terms of the accommodation and the terms of the loan modification are in direct contradiction to the CARES Act and Congressional/Executive intent, as is clearly established through the CFPB final interpretive rule. As such, Shellpoint has once again knowingly directly and explicitly violated our consumer rights in a multitude of regards. The details of our complaint are as follows : 1- The servicer immediately started reporting negatively against our credit for late payments despite the fact that the trial period IS the accommodation to allow us the transition into the modified loan prior to the COVID forbearance, we had no late payments, and as soon as the servicer presented us with the trial period payback terms, we paid promptly and on the schedule that they established. Per the CFPB final rules, the servicer CAN NOT report adversely against our credit while we are current on the accommodation that they have presented to us in an effort to restructure out of the forbearance deficiency. This was established by the CARES Act and reaffirmed in the CFPB final rule. Clearly the servicer is well aware of this and has chosen to adversely injure our credit worthiness, regardless. We each suffered an approximate XXXX point reduction in our credit scores as a result of this illegal action. Per CFPB Final Rule : The borrowers acceptance of an offer of the loan modification must end any preexisting delinquency on the mortgage loan or the loan modification must be designed to end any preexisting delinquency on the mortgage loan upon the borrower satisfying the servicers requirements for completing a trial loan modification plan and accepting a permanent loan modification. Per CARES Act : REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect ; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. Although we met all requisite timelines and made all payments before the due date, we suffered an egregious damage to our credit scores/reports. 2- The servicer modified the terms of our loan to our detriment and with no explanation or justification. Prior to their own adverse reporting to the Credit Bureaus, we both had very strong credit scores and credit worthiness exceeding XXXX each. XXXX XXXX credit score in XX/XX/XXXX was XXXX and fell in XX/XX/XXXX to XXXX and XXXX XXXX credit score in XX/XX/XXXX was XXXX and fell in XX/XX/XXXX to XXXX. Despite these high scores, the servicer modified the terms of our loan increasing our mortgage interest rate from 4 % to 6 % during a period of historical low rates. This is unjustified based on our credit file and constitutes unsupported punitive aggression. Per CFPF Final Rule : First, to be eligible, the loan modification may not cause the borrowers monthly required principal and interest payment to increase and may not extend the term of the loan by more than 480 months from the date the loan modification is effective. Second, if the loan modification permits the borrower to delay paying certain amounts until the mortgage loan is refinanced, the mortgaged property is sold, the loan modification matures, or, for a mortgage loan insured by the Federal Housing Administration ( FHA ), the mortgage insurance terminates, those amounts must not accrue interest. 3- In conjunction with the rate increase, the servicer modified the terms of our loan from a 40-year mortgage into a 30-year mortgage rolling in the delinquent payment amount thus increasing our principle due by approximately {$18000.00} while increasing our rate and shortening the term of the loan. As such, they increased our monthly payment by approximately $ XXXX which is in direct contradiction to the rules established by the CARES Act and the CFPB final rule for servicers, as the consumer is not allowed to be financially injured nor is their creditworthiness allowed to be injured as long as they are satisfying any associated accommodation during the loan modification window. Outstanding Principal : XX/XX/XXXX was {$170000.00} and increased to {$190000.00} with the loan modification including unpaid interest, escrow advances, and other fees. Monthly Payment : was {$1200.00} and increased to {$1600.00} Per CFPF Final Rule : First, to be eligible, the loan modification may not cause the borrowers monthly required principal and interest payment to increase and may not extend the term of the loan by more than 480 months from the date the loan modification is effective. 4- The servicer applied multiple unfounded fees that fall in direct contradiction to their legal obligation to waive all such fees including but not limited to the verification of occupancy fees that should have been waived in addition to the requirement that those sorts of inspections be waived. Per CFPB Final Rule : Finally, the servicer may not charge any fee in connection with the loan modification and must waive all existing late charges, penalties, stop payment fees, or similar charges that were incurred on or XXXX after XX/XX/XXXX, promptly upon the borrowers acceptance of the loan modification. The fact that we must circle back around on this issue is egregious and the servicer is clearly pursuing predatory and punitive action against us as consumers for taking advantage of a Congressionally established COVID 19 relief program. Further, they are illegally injuring our creditworthiness in direct violation of the Fair Credit Reporting Act as modified by the CARES Act. Shellpoint is making calculated and deliberate efforts to injure us as consumers and are in direct violation of the law as established by the CARES Act and interpreted by CFPB through the Final Rule. The remedy that we seek for this is egregious conduct by Shellpoint is multifaceted as follows : 1- Shellpoint must immediately stop reporting our account as deficient and immediately repair the damage to our creditworthiness. 2- Shellpoint must immediately present us with all requisite modification options and/or explanations as to the cause for our ineligibility simply verbally stating that the investor group does not offer modification options does not grant legal authority to circumvent the legal framework that was established by the CARES Act and CFPB interpretation. 3- Shellpoint must present us with a loan modification package that aligns with the terms as established in the CFPB Final Rule including removal/waiving of all punitive fees, reduction of the interest rate at least in line with the original loan terms of 4 % or less, and/or extension of the loan term toward 40 years if necessary to reduce the monthly payment back in line with our pre-COVID payment as established in the CFPB Final Rule. It is our request as injured consumers that this complaint and file be submitted to the FTC for further investigation into this predatory and illegal conduct on the part of the mortgage servicer Shellpoint. We should not be in a position that we are again victimized by their refusal to properly conduct their mortgage servicing obligations and fear that this is established pattern conduct since they are forcing us to defend our rights once again in the face of clear and well-established rules.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX the CFPB issued a publication entitled " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic '', reference : https : //www.consumerfinance.gov/XXXX The report explains the Bureaus approach to Compliance Aids and, among other things, states the following : " QUESTION 4 : Can a furnisher comply with the requirements of the CARES Act relating to reporting of accommodations simply by using a special comment code to report a natural or declared disaster or forbearance? ANSWER ( UPDATED XX/XX/XXXX ) : As discussed in FAQ # 2 above, the CARES Act requires a furnisher to report a credit obligation or account as current if it was current prior to the accommodation or not to advance the level of delinquency if it was delinquent prior to the accommodation. Furnishing a special comment code indicating that a consumer with an account is impacted by a disaster or that the consumers account is in forbearance does not provide consumer reporting agencies with this CARES Act-required information and therefore furnishing such a comment code is not a substitute for complying with these requirements. After the modification approval with Shellpoint, three monthly trial payments of {$1400.00} were executed via autopay, starting on XX/XX/XXXX. Such payments were made on time and continued regularly on a monthly basis until the modification is finalized. The account deserves credit protection and being reported as current, given that the CFPB instructed so, and Shellpoint took all monthly payments right after coming out of the authorized forbearance period. Newrez/Shellpoint is in violation of such guidelines. And the CFPB needs to secure compliance, or refer me to the Federal organization that does. Respectfully, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Im trying to sell my house. The second mortgage has been purchased by another lender. We have been trying to find who is the new lender with no success.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22306
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On or around XX/XX/XXXX, I contacted SHELLPOINT also known as NEWREZ Mortgage Servicing and requested an annual review, because I received a letter stating that I did not have House Insurance in which I payed originally in XXXX of XXXX directly to state farm. also at that time in XXXX my payments were {$3300.00}, the customer service agent explained to me that based on my monthly payments I had made and the amount of money I had in escrow that I had accumulated enough money in my escrow and due to the fact my monthly payments will go down to {$2700.00}, ( I submitted my proof with complaint ) - in which my new payments will start effectively XXXX XXXX and I made my new payments monthly I have proof of the ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT ACCOUNT HISTORY that was sent to me back in XXXX. On XXXX of XXXX my family and I got XXXX In which I notified SHELLPOINT on XX/XX/XXXX and the customer service rep that I spoke to took down my information and my job information to verified through my job that I was XXXX Positive since I had to get weekly testing through my job in order to continue working- I was told that I would get assistance through their relief program for 3 months and that no late fees will be added, and if I needed more time just to call to get more time if I need to, mind you even though I was going through hardship as soon as I got back to work I still manage to make payments even though I was told I did not had to due to XXXX and the special program they " placed me on. I called on XXXX and spoke to another customer service rep and I asked her why no one called me or notify me about my case and to see if everything was ok. She stated the reason why I was not called or notify was because no one was working on my account - And that everything was going to be taking care of- she stated that someone will soon work in my file. On XXXX XXXX I received a letter stating that I owed {$8100.00}, I immediately called an d spoke to 4 different people which had different answers, One of the person I spoke to also said that I was having this issue due to my house insurance, came to find out another rep that I spoke to said that they gave me the wrong information and that it was not the reason why my mortgage was raised to {$3800.00} and why I have to pay the {$8400.00} starting in XXXX XXXX. I believe this was the third person I spoke to that explained to me that according to the notes that was written in my case back in XXXX & XXXX it does says that my monthly payments were being decreased to {$2700.00}, and that I also was to received extra money back this person did not answered all my questions so she transferred the call to a " Supervisor '' ( the XXXX person ) this person said The reason that I was told that my escrow is in the negative, it was because they had to pay things and that's why I am in the negative- I also stated why would you lower my monthly payment back in XXXX? look at the issue we have now? They did not had a reasonable explanation as to why they made the mistake -the only thing they said was well we do an annual review and based on that we knew you were going to be fine- Due to their mistake in lowering the monthly payments now my family & I are in danger of loosing our home- My monthly payments should have never gone down to begin with - As i was reading in the letter it also says that my payments should have never had went down, so this shows that it was on their end that made the mistake i also provided proof in where they contradict themselves. - and now because of THEIR MISTAKE MY FAMILY HAVE TO SUFFER, This is not ok. I was never notified that this would happened until XX/XX/XXXX, XXXX they should have sent out letters explaining or telling me to that this would happen a few months back. not until the day that I received the letter. It was their mistake and I believe they should fix it. I can only continue to pay my monthly payments I have XXXX kids and XXXX on the way XXXX being XXXX and have XXXX XXXX which I also have to provide for XXXXXXXX XXXX XXXX XXXX... Today XXXX XX/XX/XXXX I received a certify letter from SHELLPOINT with a letter head stating " YOU MAY BE AT RISK OF FORECLOUSRE '' AT this point I need all the help in resolving this issue and that due to their mistake look what's happening.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: shellpoint mtg. denied the approved gov assistance of XXXX and to help keep our home wife totally XXXX salary cut in half XXXX XXXX XXXX XXXX XXXX XXXX XXXX i XXXX lost 2 jobs due to covid XXXX we have XXXX boys XXXX in college and the other in the elementary both on honor roll all we ask for is assistance to keep our home to avoid being homeless we always have lived paycheck to paycheck but never went this far. sincerely the XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My home is in foreclosure with Shell Point Mortgage. I am being harassed and intimidated every month by people sent to my home by Shell Point. On XX/XX/XXXX A man was sent to my home from the mortgage company. He forcefully banged on my door. Ignoring to use the oversized camera doorbell. He startled me and disturbed the quiet enjoyment of my home. He took pictures through the windows of my home. He peeked through windows into my home. The man took pictures of me, inside my home. I became XXXX I felt intimidated I felt threatened His actions caused XXXX XXXXXXXX which triggered my XXXX His actions caused XXXX XXXX with flaring of my XXXX XXXX He violated my right to solitude within my own home He violated my right to privacy The man wore no identification nor offered identification. The man yelled loud enough for the neighbors to hear from the mortgage company. *Violating the Fair Debt Collection Practices Act ( FDCPA ) and other Privacy Laws. I notified Shellpoint mortgage via email, not to send that man nor any other individual to my home again. Shell Point Mortgage acknowledge, via email, the receipt of my email and of sending the man to my home. XX/XX/XXXX Email. On XX/XX/XXXX The same man was sent, again, to my home on XX/XX/XXXX. *Violating the Fair Debt Collection Practices Act ( FDCPA ) and other Communication Laws. He forcefully banged on my door. Again, ignoring the oversized camera doorbell. He startled me and disturbed the quiet enjoyment of my home. I became anxious I felt intimidated I felt threatened His actions caused XXXX XXXX which triggered my XXXX His actions caused physical distress with flaring of my XXXX XXXX He violated my right to solitude within my own home He violated my right to privacy On this occasion, he spoke with third party, a neighbor. *May have violated the Fair Debt Collection Practices Act ( FDCPA ) and other Privacy Laws. I notified Shellpoint mortgage via email, a second time, not to send that man nor any other individual to my home again. Shell Point Mortgage acknowledge, via email, the receipt of my email and of sending the man to my home. XX/XX/XXXX Email. Today on XX/XX/XXXX A woman came to my door. She stated she was sent by Shell Point Mortgage to tell me call Shell Point. This lady wore no identification, and did not acknowledge who she was specifically. She videoed me while I was in my home. I called Shell Point Mortgage and the representative solicited me to agree to a loan modification plan. Which I believe violates XXXX XXXX XXXX : XXXX modification. ( 1 ) PROHIBITED ACTS.When offering or providing loan modification services, a loan originator, mortgage broker, or mortgage lender may not : ( a ) Engage in or initiate loan modification services without first executing a written agreement for loan modification services with the borrower ; ( b ) Execute a loan modification without the consent of the borrower after the borrower is made aware of each modified term; or ( c ) Solicit, charge, receive, or attempt to collect or secure payment, directly or indirectly, for loan modification services before completing or performing all services included in the agreement for loan modification services. A fee may be charged only if the loan modification results in a material benefit to the borrower. The commission may adopt rules to provide guidance on what constitutes a material benefit to the borrower. Also during the phone call, I requested that Shell Point Mortgage to not send another person to my door for ANY reason. That it distresses me and that Shell Point Mortgage has my phone number, my email address and my home address for ALL and ANY correspondence. The representative stated that I would continue to have people come to my door until I agree to a loan modification program. The actions and statements from Shell Point Mortgage are illegal and they are harassing, threatening and intimidating me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have several rental properties. 2 with chase mortgage both are conventional loans I also have one conventional loan also with Shellpoint mortgage. XXXX was very streamlined, and pretty accurate on handling everything including the credit reporting. However, Shellpoint did not report the same as chase mortgage on credit reporting. I started all 3 at the same time ; the same processes, same payments, same modification and was not in default or late on any of my mortgages when I started the forbearance process. I completed the modification program and even paid an extra payment that I was not made aware of when going into the modification process. This was probably missed by a lot of other consumers as well because it was not in the primary page disclosing the payment program. It was on a page prior to it that I almost missed because I didnt see it or know to look for it. I was recently denied a loan for two reasons- DTI was too high and my mortgage reporting from Shellpoint was not reflecting as XXXX reported my 2 mortgages. Shellpoint said they had to report as it was delinquent during the processing of my modification. Which I believe is incorrect according to the Covid regulations. They also did nothing to help with the rate or terms of my mortgage as XXXX did. I didnt even ask them if they were offering but when I asked Shellpoint they said they dont offer rate and term adjustments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78240
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Shellpoint Mortgage is inflating maintaince charges. They make up fraud each month that is more than my payment. eg Their lawyers fees : {$3000.00} ... .they charge me {$40.00} per week to drive by my house... I call them... they tell me ... '' Yes we are doing that ... ..because we can '' ... ..Please help me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76018
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A