Date Received: 2020-01-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The company continues to neglect answering our inquiry as to why our PMI insurance has increased for XX/XX/XXXX. Below are the communication details that have been sent to Shellpoint Mortgage. XX/XX/XXXX ~ The below was our email inquiry sent in regards to an increase on our property mortgage disbursement before receiving our escrow analysis statement. On Wed, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote : ShellpointMortgageServicing Loan Servicing Department Re : Error Resolution Notice under 12 C.F.R. 1024.35 MortgageLoan Number:XXXX Shellpoint Mortgage made an Insurance Premium Disbursement in the amount of {$140.00} on XX/XX/XXXX. We would appreciate an explanation as to why our Property Mortgage Insurance Premium has increased? When our loan was serviced by XXXX XXXX our Property Mortgage Insurance Premium was {$130.00} each month since XX/XX/XXXX. See attachments. We have not received any information explaining that there will be an increase from Shellpoint Mortgage Servicing nor from XXXX. We would appreciate a breakdown of all account activity on our monthly statements as there seems to be discrepancies and no explanations since the transferring of our loan. If you need to contact me, we are best reachedvia email XXXX Sincerely, XXXX & XXXX XXXX XX/XX/XXXX ~ Escrow analysis was received in the mail, again showing that we paid {$130.00} each month from XXXX, XXXX to XXXX, XXXX and then a projected INCREASE on XXXX, XXXX. ( reference document " 01 - XXXX_Escrow Analysis Statement.pdf '' ) ~Below is another emailinquirysent asking why there is an increase on our property mortgage insurance ( PMI ). From : XXXX XXXX Date : Thu, XX/XX/XXXX at XXXX XXXX Subject : Re : Please explain why our PMI has gone up To : XXXX ShellpointMortgageServicing Loan Servicing Department Re : Error Resolution Notice under 12 C.F.R. 1024.35 MortgageLoan Number:XXXX As of today, XX/XX/XXXX, we have yet to receive a response as to why our Property Mortgage Insurance has increased rather then decrease? We had been paying {$130.00} since XX/XX/XXXX. We've paid down our loan and have paid an additional {$59.00} above our regular monthly payment for a year now so we do not understand why our PMI is increasing when it has decreased every year? We received our escrow analysis in the mail today and it shows that we are going to be paying {$140.00} for the year. Why has this increased? If this is incorrect, we would appreciate a new escrow analysis statement. Thank you! XXXX & XXXX XXXX XX/XX/XXXX ~ XXXX emailed XXXX XXXX XXXX, the company our PMI payments are paid to, asking if PMI can ever increase.Below is XXXX XXXX 's reply. On Tue, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX wrote : Hi XXXX, The PMI should not go up unless the Amortized balance went up for any reason. Because the contract is between XXXX and your Lender, I am limited at what information I can provide to you. If you have further questions, please reach out to your lender. Thank you. Providing excellent Customer Service is a high priority with XXXX XXXX XXXX. Visit us 24 hours a day atXXXX XXXX XXXXfor complete product and program guidelines, or visit our Servicing site atXXXX XXXX XXXX Information Specialists are available to serve you by phone at XXXX XXXX during the hours of XXXX XXXX to XXXX XXXX EST Monday through Friday. Best regards, XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX Customer Experience Professional XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone:XXXX Fax : XXXX E-mail : XXXX XX/XX/XXXX ~ Received a certified letter with 18 pages of our loan history summary in response to our error inquiry as to why our PMI payment amount increased from {$130.00} to {$140.00}. ( reference document " 03 - Shellpoint Response to PMI Inquiry '' ). It did not explain why the increase. ~ We also received, in the regular post, a letter requesting additional time to respond fully to our inquiry but was not specific as to what inquiry Shellpoint Mortgage was referencing. We can only assume it was in regards to the PMI increase. ( reference document " 04 - Shellpoint Response Letter '' in XXXX folder ) XX/XX/XXXX ~ Received a letter responding to one or both of our inquiries but it did not answer either of our questions regarding our property mortgage insurance and regular monthly payment due XX/XX/XXXX. ( reference document " 05 - Part_1_Reply_Letter_Received_with_Account_History_XXXX '' and also06 - Part 2_Reply Letter Received with Account History_XXXX.pdf ) ~ We have thoroughly reviewed the loan history summary enclosed with today 's letter and marked each PMI payment. You will see that each year this amount decreases except for this year where you have reported us having to pay more. Why? ~ We've also included with our documents every Escrow Analysis Statement since XXXX highlighting what was actually paid and every decrease. ( reference the following documents : XX/XX/XXXX_Escrow_Analysis_Statement.pdf XX/XX/XXXX-1_Escrow Analysis Statement.pdf ( we received 2 in XXXX ) XX/XX/XXXX-2_Escrow Analysis Statement.pdf XX/XX/XXXX_Escrow Analysis Statement.pdf XX/XX/XXXX_Final Escrow Analysis with XXXX.pdf ~ Also, upon reviewing the loan history summary and marking each PMI payment, I see that XX/XX/XXXX has not been paid. Please review our notes on the submitted documents. XX/XX/XXXX ~ Received a letter from the escalation department. ( reference document :XX/XX/XXXX_Escalation Letter.pdf ). The letter does note that it has corrected one issue we inquired about regarding paying the shortage into escrow and why our payment due did not decrease as a result of the payment but it still DOES NOT explain WHY our PMI has INCREASED for XXXX. They also note that a new escrow analysis is not needed. That is incorrect. If our previous PMI payment was {$130.00}, XXXX PMI payment should have decreased not increased so we should receive a new escrow payment. We have made several attempts for an explanation of why our PMI payment has increased for XXXX and requested for a new escrow analysis with a new payment amount but Shellpoint Mortgage continues to neglect providing an explanation or a new escrow analysis.
Company Response:
State: UT
Zip: 84044
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have been responsible homeowners since XX/XX/XXXX, owning our first home and selling it in XX/XX/XXXX with proceeds of {$25000.00} applied to your second home which we currently own. When the Great Recession hit, we kept our jobs and continued to pay on the house. We had an 80/20 mortgage, with the first ( $ XXXX ) handled by XXXX and the second ( $ XXXX ) for a total of $ XXXX by XXXX XXXX XXXX in XXXX. Our loan was temporarily lost by XXXX then rediscovered during the financial crisis. We received a modification by XXXX. We continued to pay XXXX all along. Both loans were eventually sold to Shellpoint. We paid both regularly until XX/XX/XXXXwhen I was laid off from my job after 13 years, after having to train my XXXX year old co-worker in. We continued to pay despite the financial hardship and Shellpoint worked with us. In XX/XX/XXXX, Shellpoint granted us a modification of {$210.00} which we thought included both loans and gave no indication otherwise. We accepted although our payment was increased to cover missed payments, therefore making things even harder. In XX/XX/XXXXwe decided to sell and move as homeownership was deemed too unfair and granted no reward for trying to do the right thing. The market in our neighborhood was on the high upswing and our house went from being under water during the recession ( valued at {$140.00} ) to {$260.00} or more in XX/XX/XXXX. All other houses and owners were getting proceeds from sale. On the day of the closing ( XX/XX/XXXX ), the realty company ( XXXX XXXX ) told us we were underwater plus owed Shellpoint {$11.00}. Shellpoints payoff required $ XXXX on the primary loan including $ XXXX in fees and deferred principle, plus $ XXXX on the second loan, requiring total payback of $ XXXX. This is far in excess of what we purchased the property for initially for in XX/XX/XXXX, and absent of any equity in 13 years living in the property! Moreover, at the time of sale, our first mortgage, which had been paid down to $ XXXX had $ XXXX of principle added to it by Shellpoint during the modification, unbeknownst to us, while the second loan was at about $ XXXX after 12 years of steady payment i.e. no reduction at all. We decided not to sell as this seemed an egregious act of deception and mortgage manipulation as well as placing homeowner at a complete disadvantage financially. We have been under a forbearance by Shellpoint until XX/XX/XXXX. This is an intolerable situation and manipluation of homeowners. Sincerely, XXXX and XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 56601
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I will be including all of the available statements from XX/XX/XXXX-XX/XX/XXXX. Please note that the finance company has not issued a statement for XX/XX/XXXX, which is why there will be no statement for that period. For XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was set up for automatic withdrawals in the amount of {$1400.00} deducted from my checking account on the XX/XX/XXXX of every month. My payment due date was not until the XX/XX/XXXX of each month, so statements issued for the upcoming month would always indicate no payment due as I was paying in advance. There was a problem with my XX/XX/XXXX payment processing due to my checkbook being stolen resulting in an account number change. I had to call in to have the account information updated, this process can not be done online, and has to be processed by an Shellpoint employee. During this conversation I requested to be set up on the bi-weekly payment withdrawals that were now being offered, and instructed to send in a copy of a voided check. I returned the forms requesting to switch to bi-weekly withdrawals along with my voided check. This is where things start to go wrong. The person who was to have updated my bank account information to deduct my payments did not do so correctly, and the result was me making my payment manually on XX/XX/XXXX ( 5 days after the due date ) for the amount of {$1100.00}. A female supervisor confirms that she has discontinued my monthly withdrawals without verifying my bank account information, and can not understand my frustration at her error in judgement. The fact that your institution has requested a copy of my check for verification that you did not verify absolutely infuriated me. After another phone call to Shellpoint, I was informed that my bi-weekly payments would start being deducted in XX/XX/XXXX. When more than three weeks had passed and no payments were deducted I called in again and was told that it was now to late to deduct the payments for XX/XX/XXXX. I again made a manual payment in the amount of {$1100.00} on XX/XX/XXXX. At this time I set up monthly withdrawals to start again on XX/XX/XXXX in the amount of {$1500.00}, because now they were saying the bi-weekly payments would not begin until the end of XX/XX/XXXX. On XX/XX/XXXX I call Shellpoint again, because the bi-weekly payments are still not being deducted from my bank account. On this call I am connected with a supervisor who informs me that there has been an error in setting up my bi-weekly withdrawals and that he will manually set up two {$700.00} payments to be deducted in XX/XX/XXXX and from this point forward there will be a {$700.00} deduction every other Monday. Coincidentally there is no statement available for XX/XX/XXXX, and the next few statements issued do not provide a payment application breakdown. I go from having no payment due, to having a payment and a half due, to now showing that I am actually a full payment behind every month. I have asked for an audit to be done on my account as there is no rhyme or reason to how the payments have been applied. I always pay an additional amount each month, a minimum of {$200.00} up to a maximum of {$900.00}. The institution is not applying the payments on a bi-weekly basis, reducing the principal balance, which is not providing the savings implied by making the payments sooner, nor do I earn interest on the money they " hold '' every month. Some month two payments of {$700.00} are withdrawn and some months result in three payments of {$700.00} being withdrawn. I am averaging about {$840.00} a month in interest being deducted from my payments, yet the 1098 I just received for XX/XX/XXXX shows that there was a total of {$9200.00} total interest paid for XX/XX/XXXX ( an average of {$770.00} per month ). The math continues to leave me scratching my head. I have sent emails, made phone calls, submitted requests online with the customer service portal and have received no response to date. There has to be someone that can hold this company accountable. Surely there are rules for the processing and application of payments. The whole appeal of the bi-weekly payment agreement, is that is a savings on interest paid because the interest is compounded daily. From the payment activity it appears there is absolutely no consistency in when or how the payments are applied.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95842
Submitted Via: Web
Date Sent: 2020-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our loan was bought from one bank to another. The amount on mortgage balance does not match up with the amortization schedule. We should owe around XXXX and they are saying XXXX. They also told us that a loan modification was mandatory because they require to have a escrow account. They told us that nothing would change not the rate not the term and not the amount. We have made every payment. They are saying we have never made a payment to this new loan mod which is correct but we still pay to the original loan. I only have 10yrs on my original loan but this modification added 30 yrs with a total of 40 yrs until loan matures I also had damage in the hurricane Irma. I have lost my roofer because they would not release any funds to pay roofer. The roof project has to start over because of materials in the sun for 2years that are not supposed to be exposed. The only way I found out about this is they filed a foreclosure suit. I also have a Leon from the roofer
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Per prior CFPB complaint, company has NOT rectified the situation nor have they reached out to me as was stated by call center supervisor. I STILL can NOT access my account on my XXXX, XXXX XXXX, XXXX laptop or XXXX. I was able to access on a XXXX computer at work three times. I do NOT have access to XXXX at home. Please contact me about how you are resolving your IT issue re XXXX products. I am currently on hold for 48 minutes waiting on the call center to answer. UNACCEPTABLE. I remain UNABLE to acces my info or make payments per the website.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Shellpoint Mortgage, Servicing Agent, for New Residential Mortgage took over the servicing of my loan in XXXX of this year. I've had nothing but problems which I have unsuccessfully tried to resolve with no avail. This company continues to threaten foreclosure, continues to harass me, tries to force me into refinancing, fails to maintain proper billing and payment records, fails to provide proper escrow amounts due and owing, illegally reports late charges and payments to credit bureaus ( intentionally trying to ruin my credit so that I can not easily refinance ), illegally charges me late fees, property inspection fees, and has charged me over {$1200.00} in fees to send the house into foreclosure. These fees have all been acknowledge by Shellpoint to be in error ; however, my credit report has not been updated. They are playing very nasty games in order to force my hand into refinancing my loan. They have also repeatedly denied my rights under the ADA by failing to correspond to me in writing or email when asked ; failed to let me speak to their legal department ; failed to let me speak to a supervisor when requested ; failed to stop collecting and paying out escrow fees after I have asked them in writing to stop. All kinds of FDCPA violations are occurring. None of the statements I receive coincide with any other or make any kind of sense whatsoever. I am attaching copies of all of my loan statements, which I receive about 2-3 days before they are due on the XXXX of the month. I believe this in and of itself is a violation. However, each of my statement show that I owe a XXXX balance. Therefore, I don't pay a XXXX balance. Then Shellpoint racks up illegal late charges and property inspection fees. Although they have agreed that my loan is not in default and those fees shouldn't have been added to my account, they continue to be added. Then Shellpoint has illegally reported to the credit bureaus that I am late in my payments which appears to be on these fees that are illegally added to my account in the first place, and then later Shellpoint acknowledged were in error. I have a loan that is in two parts : An interest bearing portion and a non-interest bearing balloon payment. The balloon payment of {$85000.00} is not due until the year XXXX or the date I sell my house, or the date I pay the entire interest bearing first mortgage in full ( including any penalties, late fees, or other fees assessed. ) Because I have prepaid the majority of my first mortgage ( but not all of it ), Shellpoint is demanding I refinance or pay the {$85000.00} balloon payment. Further, even though I have prepaid all but the last payment, they have illegally reported to the credit agencies I have been late ; thereby, diminishing my chances to refinance with any company other than them. How on earth can one be late on a mortgage payment when it has been prepaid by 30 years? Further, the terms of my mortgage indicate there is no prepayment penalty. Forcing someone to refinance a mortgage with an interest rate is exactly that, a pre-payment penalty. I don't want to refinance as my balloon payment is set at a 0 percent interest rate. Refinancing would be financially detrimental to me and a huge financial windfall to Shellpoint. Shellpoint bought these loans from XXXX, and much to their surprise got stuck with a 0 percent interest rate loan. They will be making no money off this loan unless I refinance ; therefore, they are practicing deceptive and illegal practices in order to strong-arm me, a XXXX person, into refinancing with them ( since they illegally reported to my credit report and I can not refinance with any other bank ) so that they magically change a 0 percent interest rate loan they own to a 5 percent or more rate loan. This obviously isn't in my best interest and only benefits Shellpoint. I can't get a straight answer on how much I owe for escrow as they have royally screwed up that account. I've sent them {$300.00} on XXXX, which is {$100.00} more than my statement shows for escrow payment due, and Shellpoint refused payment and sent it back to my bank. Their annual escrow disclosure is wrong, but I've contacted them several times and they have refused to fix it. I've already paid them a significant amount of escrow money this year, and it's doubtful I owe them anything or much at all. I would be more than happy to pay the escrow ( even thought they were not supposed to pay out the funds per my written request ) just to be done with the matter, but they refuse to give me a correct amount I owe. I've been in contact with both XXXX XXXX, and his supervisor, XXXX XXXX on several occasions who assured me my loan was not in default and Shellpoint wouldn't be foreclosing. XXXX XXXX chould n't 'understand why I was still having problems as he forwarded my complaint to XXXX XXXX , and they both believed the matter had been resolved. XXXX stated I was smart to keep the 0 percent interest loan I have. He assured me in no way would Shellpoint foreclose on me and that I am 100 percent within the terms of my mortgage. He stated many others have this arrangement as well, but they were refinancing. He even commented he didn't understand why, as I was doing the smart thing by keeping my 0 percent rate. I was told not to worry as there a bunch of loans that came in this way and Shellpoint 's system had no way catching up with the paperwork as it was a new type of loan that they hadn't come across before. He asked for more time so Shellpoint could figure out a way to update their system. I was told the letters were all being generated via computer, but he assured me there is no way they would foreclose as I was in compliance with the terms of my mortgage. At some point between XX/XX/19 and XX/XX/19, Shellpoint unilaterally removed funds they were holding in suspense ( illegally ) and applied it to the principal. My XX/XX/19 statement indicates an unapplied partial payment of {$410.00} was applied to principal. This should not have happened. I spoke to XXXX XXXX via telephone, who assured me that payment was made in error, and that one of their employees took it upon themselves unilaterally to remove it from suspended funds. He stated he didn't know why this person did that, but that they should never have done that. He was directed to reverse that payment and apply it to the escrow account, which he confirmed he would do, but never happened. Shellpoint is guilty of misappropriation of funds. This unilateral payment that was made illegally then brought my principal balance down to {$21.00}. Shellpoint has been advised several times this is incorrect, but has failed or refused to fix the issue to date. Shellpoint claims my escrow is negative over {$2000.00} ; however, {$670.00} of the funds they were holding in suspense was supposed to be applied to escrow, but never happened. I paid an additional {$900.00} or so towards escrow. Since I can't get a correct amount owed, and credits aren't being applied for my payments, I can only pay what was on my mortgage statement. I simply can not make heads or tails of what's happening or what, if any, monies are due and owing. Some of my documents say I owe thousands in mortgage payments. There is never any consistency in the letters I receive to determine any amount. Furthermore, Shellpoint has decided not to not abide by the mortgage and subsequent modification and deceptively try to force my hand into refinancing my mortgage. I've made my position clear with them that I am not in a position to refinance, and there are numerous billing errors, misappropriation of funds, and deceptive practices which they are partaking. This is harassing, a violation of my rights, and is causing significant stress and hardships upon a XXXX person, affecting my health significantly for the worse. Shellpoint is threating to foreclose on my home unless I refinance, stating that I basically have paid all but the last payment, and therefore, they consider the first mortgage paid in full. However, I could find no verbiage in my mortgage or modification to state the balloon payment will be due if I pay " most '' of the mortgage. And there certainly is no definitive definition regarding the interest-bearing portion other than to say all of the interest-bearing portion plus any late fees, assessments, and other charges. No where is this defined as " most, '' the " majority '' or any other willy-nilly random amount. It states all. I can only go by what my mortgage statements tell me to pay, which is zero if you discount the erroneous late charges, foreclosure fees, and property inspection fees, which Shellpoint has acknowledged on many occasions should not be on my account. Please investigate the deceptive practices Shellpoint is employing. Certainly there billing accounts are inaccurate and in violation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2020-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: So I have been trying to resolve this issue with shellpoint mortgage since back in XX/XX/XXXX when this first occurred. Back in XX/XX/XXXX I received a statement in the amount of {$390.00}. Which I paid. The following month I received a statement saying I owed {$1200.00} with a overdue payment of {$390.00}. I have reached out and talked to multiple agents about this with all of them confused about this issue. They told me to contact my loan officer. After getting an email back from her, she told me to email this info to XXXX They emailed me back saying they are looking into the matter. I then emailed my loan officer about a week after this with her telling me I should get something in writing a month later. Two weeks later I get a letter saying they received my request to look into this matter. Still have not heard anything beyond that. Every agent I have talked to has been confused about my statements and no one can not make any sense out of it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/19 NewRez, my mortgage company, took {$910.00} from my escrow account to pay an insurance premium for another customer of theirs ( not my own ). Around that time, my insurance agent and I communicated with the NewRez insurance department about this error and we were told that it was being corrected. However, it is over 5 months since then and this issue still has not been corrected. The " escalation agent '' assigned to my account has shown no sense of urgency in getting this resolved and does not return her voicemails. Additionally, the hold time when calling the NewRez insurance department has been as long as 5 hours. These factors have made it virtually impossible to communicate with the company regarding this issue. On top of this, I have been told the reason that my account has not been credited yet is that NewRez is waiting for a refund from the insurance company that was paid with my money, a matter which has no bearing on when and how my account should be made whole.
Company Response:
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am reaching out because I had a modification done on my mortgage in XXXX which started in XXXX. My property address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. My name is XXXX XXXX. This was because my payments were deferred in XXXX due to me being in a disaster area. I was never informed that after the 3 months, I would owe three months of payments so the mortgage company told me to do a modification to have those payments tacked to the back of my loan. The process with the bank was confusing, exhausting and drawn out. I barely received guidance or information on what was happening with the modification which went on for almost a year and was never completed by XXXX. I called 2-3 times per month from XX/XX/XXXX XX/XX/XXXX and was always told it was being processed. In XXXX ( XXXX ), my mortgage was sold to Shellpoint and they completed the modification in XXXX or XX/XX/XXXX but I wasn't told that there would be a separate lien on the mortgage that would need to be paid before I could refinance. This whole fiasco came about because of the lack disclosure from XXXX on how the deferment worked when I applied in XXXX. Had I known that it would cause all this, I would have struggled through to make my payments during that time. I recently tried to refinance with XX/XX/XXXX, and they are telling me I have a lien with HUD on title for {$30000.00}?? I need answers on where this is coming from and why this is happening. I am being told that I have to pay {$30000.00} in order to do a refinance. I was never notified of this, and do not even know where {$30.00},
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX sold my mortgage loan to ShellPoint Mortgage Servicing, which I assume it was sold based on lies. They gave SMS the illusion that they could collect a due debt that did not exist. It has been a nightmare for me and my family since XX/XX/2015 when the XXXX had me sign a deceitful loan modification. I have never stopped paying my mortgage loan, but SMS keeps claiming that I have a debt for more than {$6000.00}. I am willing to pay this sum as long as they show me what month I owe them. I have shown XX/XX/XXXX and SMS all of the payments of each month since XX/XX/2015, proving that I have not missed any monthly payments.
Company Response:
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A