Date Received: 2018-01-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: A hard inquiry was made into my credit report on XXXX XXXX, XXXX without my approval or knowledge. I communicated with a mortgage consultant at XXXX XXXX XXXX about refinancing my home, but I did not complete an application and I did not approve an inquiry into my credit report. This inquiry apparently dropped my credit score by 5 points. I would like to dispute this inquiry and have it removed from my credit report. Date : XXXX/XXXX/XXXX Company that made the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX ; ( XXXX ) XXXX Email : XXXXXXXXXXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2018-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: On XXXX XXXX, XXXX I notified for the second time for Shellpoint Mortgage Servicing to cease and desist contacting me. Shellpoint Mortgage Servicing acknowledged receipt of my demand in a letter dated XXXX XXXX, XXXX. Since receipt of its acknowledgment I have received eight more communications alleging different creditors, threatening foreclosure, and alleging I obtained a loan from it. Shellpoint Mortgage Servicing sends communications identifying the addressee as " c/o XXXX XXXX, Pro Se '' even though I am not involved in any litigation with it - this is clearly harassment. The creditors it claims I owe do not exist. It is also reporting inaccurate, incomplete, and unverifiable information to the CRAs about me. The Georgia Department of Law 's Consumer Protection Unit has forwarded my previous complaint to the Department of Banking and Finance for further investigation. They must be running some racket out of SC.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Since 2001 our mortgage provider has been XXXX. A few months ago -- without our say-so -- we were informed Shellpoint was our new provider. XXXX has paid our homeowner 's policy to XXXX XXXX via our escrow account. XXXX XXXX XXXX is our main house. XXXX and XXXX XXXX XXXX are two cottages. We also have a barn. XXXX has paid out these policies to XXXX XXXX. Shellpoint is not paying XXXX XXXX for XXXX and XXXX XXXX XXXX, nor the barn. They have no understanding that these are two cottages ; they are entirely unaware that XXXX and XXXX XXXX have covered these for over a decade. Our address, XXXX XXXX XXXX, was changed a good decade ago from XXXX XXXX XXXX XXXX. Shellpoint also seems unable to understand this, although the name change is longstanding. I have called over and over again, to no avail. XXXX XXXX has sent over a complete file -- I called to check to see if Shellpoint had processed this, but was unable to reach anyone. Shell point needs to pay XXXX XXXX ASAP.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2018-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Shellpoint Mortgage has not solved issues of unjustified billing of {$3100.00}, erroneously filing credit reports and turning over my title to a Utah attorney for foreclosure, when I was in good standing. I have been trying to solve these issues with Shellpoint since XXXX XXXX XXXX 2016. I am trying to close on a refi and their continued lack of effort, is holding up the process and correspondingly increasing my payment, with interest rates going up and having to pay for another appraisal because of their delaying the close. My Mortgage company will not close without these issues being resolved. Shellpoint has already admitted their error and corrected the credit bureaus now I just want my money back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84092
Submitted Via: Web
Date Sent: 2018-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Filed for Chapter XXXX on XX/XX/XXXX. Mortgage arrears in the amount of {$8800.00} was included in the repayment plan confirmed by the federal bankruptcy court on XX/XX/XXXX. Original monthly repayment amount was {$430.00}. On XX/XX/XXXX, repayment amount was changed to a monthly payment of {$480.00} as a result of an appeal by the mortgage company and was to begin with the XX/XX/XXXX payment. Made house payments consistently every month prior to the due date beginning XX/XX/XXXX through now. Mortgage loan was transferred to Shellpoint Servicing on XX/XX/XXXX. XX/XX/XXXX received notification that escrow shortage caused monthly payment to increase by approximately {$100.00} ( Insurance and Tax amount has not increased in recent years ). Also in XX/XX/XXXX, received letter from Shellpoint that they would like to discuss our mortgage with us but needed permission from out bankruptcy attorney : the letter stated that because we had been such good customers and made timely payments that they could offer to forgo our XX/XX/XXXX payment and possibly our XX/XX/XXXX payment. We obtained permission from our attorney to speak with Shellpoint, but when we called we were told we had already had three modifications since the loan 's inception in XX/XX/XXXX so they would be unable to allow a deferred payment. In XX/XX/XXXX, received package by Shellpoint dated XX/XX/XXXX that included a repayment worksheet. On XX/XX/XXXX a motion was filed with the bankruptcy court to lift Chapter XXXX protection because it was alleged that the loan had not be paid as promised in the bankruptcy plan. Shellpoint listed two missing payments, the first being a XX/XX/XXXX payment. Prior to Shellpoint taking over our mortgage account, we had XXXX until they transferred the loan to XXXX in XX/XX/XXXX. We received statements from both XXXX and XXXX showing our payments were being made on time and consistently. After the motion of stay was filed by Shellpoint, we contacted XXXX to ask about our payment history ( thinking we may have made some sort of mistake ). However, XXXX assured us they showed no missed payments or late payments or anything else that would void our bankruptcy, repayment plan. Shellpoint has added {$6000.00} in late payments and attorney fees to our principal balance. Doing some research on Shellpoint has uncovered a great amount of customer complaints able their business practices. In one instance, funds cleared our bank on the XXXX of the month, but Shellpoint did n't post to our account until the XXXX of that month ( where was my money for this 27 day period? and why was it made to look as though I was late paying my mortgage? ). This shady company seems to be deliberately causing excess fees in an attempt to force homeowners into foreclosure or other types of default. In my case, I have two mortgage companies saying we did everything just right, and Shellpoint saying we are in default for payments that were due/paid 3 years prior to them obtaining our mortgage account. We have been blindsided by Shellpoint - never received a letter, phone call saying there was a problem. The first indication we had that something was wrong was when we received the notification from the bankruptcy court that Shellpoint had filed a motion to no longer be obligated to honoring our Chapter XXXX protection.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2018-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am an XXXX XXXX female who experienced financial hardship due to plumbing repairs in my house. I explained this temporary dilemma to Shellpoint Mortgage Servicing in XX/XX/XXXX or XX/XX/XXXX. I explained that I would make my mortgage payment as soon as possible. My mortgage payment at that time was {$1600.00}. I had previously paid that amount in full on a consistent basis. On XX/XX/XXXX a payment of {$940.00} was made to Shellpoint as a scheduled debit from my bank account. I could not make a scheduled mortgage payment on XX/XX/XXXX due to air conditioning problems. A full payment of {$1600.00} was made on XX/XX/XXXX. After this payment the hurricanes hit Florida causing devastation. My mortgage payment arrangement for XX/XX/XXXX could not be kept. Hurricane Irma forced my family and me to evacuate. Days before this destructive hurricane hit my residential area there was a death in my family. The death and devastation forced us to stay out of state for about three weeks creating expenses before and after the hurricane as well as addressing a funeral expense. Additionally, there were numerous water main breaks where I live in XXXX County, thus creating a problem with water and sewage before my return to my house. I explained this dilemma to a Shellpoint representative while out of state. When I returned to my home my fence was knocked down and major fence repair was mandatory. I contacted Shellpoint in XX/XX/XXXX to make a mortgage payment. I was told I was six payments behind and only a minimum of four payments would be accepted at {$1600.00} per payment. The Shellpoint representative told me I had {$940.00} in unapplied funds, which could be added to {$5700.00} to make the four payments. The four payments would total {$6600.00}. I arranged to pay {$5700.00} and add the unapplied {$940.00} funds by XX/XX/XXXX. The Shellpoint representative told me that when the four payments are made I would owe payments for XX/XX/XXXX and XX/XX/XXXX, and asked if I could make those two payments in XX/XX/XXXX. I said, yes. Despite the hardships I experienced, I paid {$5700.00}, and the unapplied balance of {$940.00} was added to make the full four payments. When I contacted Shellpoint to make a payment for XX/XX/XXXX I was told that I owed three payments instead of two. XXXX XXXX, the point of contact for my account, stated that I owe three payments. I explained what I 'd been told previously that I owed two payments. I would like a forensic accounting of my mortgage payments to prevent Shellpoint from fraudulently billing me with additional payments that I do not owe. I am being discriminated against as an XXXX XXXX and a woman. I am well able to pay my mortgage, but experienced to hardships in a row. But, diligently paid {$6600.00} only to be told that I owed three mortgage payments instead of two. It is very disheartening when I am working diligently to have a current mortgage payment, only to be falsely billed by Shellpoint, lied to by Shellpoint and purposefully suppressed to prevent me from owning my home or advance in paying my mortgage. Instead, Shellpoint and the investor that holds the note to my home is attempting to force my property into foreclosure with padded billing and manipulation, thus unlawfully causing me additional financial hardship as well as stress and strain in bringing my payments current. I am an XXXX XXXX female who holds an XXXX XXXX XXXX XXXX XXXX XXXX degree. I am able to pay my mortgage if dealt with fairly and equitably in making mortgage payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2018-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My home at XXXX XXXX XXXX in XXXX, XXXX, New York was discharged in a bankruptcy in XXXX of 2011. The docket number is XXXX. I have the name of the Law firm I used, the name of the Bankruptcy Trustee and the name of the US Bankruptcy Judge, if you need them. The loan has been sold so many different times and to so many different companies I can not count. All these Mortgage companies keep sending me certified letters and calling me- non-stop since 2011. One of the companies even put the bad loan back on my credit report and we had to contact the Bankruptcy lawyer we used to get the info removed. I believe there was a class action against that company and they have to pay out small settlements to those involved. Why did n't the first bank just take the property and leave me alone? We are trying to move on with our lives. Local taxing entities from the Town are still sending me tax bills. I have told my Attorney about this several times and he does not think I have anything top worry about?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2018-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Reference : Loan XXXX I am officially requesting, thru the CFPB the following. Shellpoint Mortgage Servicing reimburse me {$41.00} and transfer servicing of this loan to another loan servicing organization. XXXX XXXX XXXX immediately reimburses to my account the past three years tax office 2nd installment fees I have paid because of Shellpoints failure to pay my taxes in one installment, as I had requested in writing. These charges are those incurred over the past three tax years ( XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX-XX/XX/XXXX ) ( tax statement attached ). Shellpoints ineptitude has resulted in me paying a total of {$41.00} in service fees. Shellpoint should include late fees and interest as that is what I would pay if I was late on payments to their organization Tax Year Date Paid Amount Paid Amount of service fee included in 2nd installment XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX {$1900.00} {$13.00} XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX {$1900.00} {$13.00} XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX {$2200.00} {$15.00} Total owed {$41.00} Shellpoint Mortgage Servicing transfer management of this loan to another mortgage loan servicing organization. Their demonstrated ineptitude has caused me an inordinate amount of time and effort to check their actions, always discovering they have constantly failed ; year after year after year. For the past three years Shellpoint has consistently failed to pay my property taxes in one payment. I have called numerous times, filed complaints with CFPB, and still Shellpoint is incapable of managing to pay my taxes on this loan as I requested ( one payment, not two payments ). I am charged tax office service fees when taxes are paid in two installments. Even though Shellpoint has apologized and stated they would correct all errors, year after year they fail to accomplish this task. This year they again failed to pay my taxes in one instalment. This is especially insulting because the previous year not only did they not pay in one installment they did not even pay my taxes until XX/XX/XXXX. What a despicable error. Shellpoints letter dated XX/XX/XXXX ( attached ) stated they would credit my account for the latest tax year error. Again they were incapable of accomplishing this small task. Shellpoint has again demonstrated their incompetence by again paying only half of my tax bill. It is obvious there is no corporate oversight, no quality control, no system by which they verify their actions are complete and correct. I am extremely tired of having to check Shellpoint and ensuring they do their job, which they NEVER accomplish. I have had multiple loan servicing organizations service my mortgage ( s ) over the past 27 years. Shellpoint is without a doubt the absolute worst mortgage and loan servicing organization I have experienced. Shellpoint Mortgage Servicing President and Corporate Officers should be extremely ashamed of their organizations performance. I will not call Shellpoint on this matter any longer. All complaints will go thru the CFPB. I have wasted an inordinate amount of time writing letters and calling customer service from Shellpoint. I am extremely tired of having to double check everything Shellpoint should be doing and having to spend time to wait for Shellpoint to correct their constant errors ; always discovering that Shellpoint never lives up to their commitment to their customer. Why do I, as a customer, have to constantly verify this organizations actions? I should be paid by Shellpoint as a Quality Control employee because they do not check their actions. In closing Shellpoint owes my account {$41.00} for the past three years of errors in payment of my taxes. I am also requesting Shellpoint Mortgage Servicing is prohibited from servicing my loan, based on their demonstrated inability to service this loan and the property taxes associated with this mortgage.
Company Response: Company believes complaint is the result of an isolated error
State: MD
Zip: 218XX
Submitted Via: Web
Date Sent: 2017-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I talked to Shellpoint Monday, XXXX/XXXX/XXXX about all of the necessary documents needed for my short sale. I faxed them off the same day and received a fax confirmation. Today, XXXX/XXXX/XXXX I received a call from the XXXX XXXX ( Single Point of Contact ) stating that they did not receive my documents with XXXX dates or signatures, which is false. He also stated that now they need new, updated bank statements and pay stubs, which was never mentioned on my call with them on Monday, XXXX/XXXX/XXXX. I am getting ready to refax ALL of these documents again. This is so ridiculous. They are extremely incompetant. There is still a clear lapse in communication with this mortgage company. They constantly lose documents and give inaccurate information. This is slowing down my court-ordered short sale process. I am still paying other bills on this property such as security to protect from squatters as well as HOA fees.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2017-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: You see we have gone from a house payment of {$1400.00} to {$4000.00} -- - with no clear or foreseeable end -- - This is only a estimate -- - offer will be given after I pay {$12000.00} ... History show I am not XXXX Stupid or CRAZY so this will not be entertained I had completed Shellpoints twice before TPP before and paid them -- -- -- then they give a new amount ( THE WHOLE DOLLARS ACCORDING TO SHELLPOINT at 11 % INTEREST ) on a new 40 year mortgage at {$4000.00} with a WHOPPER BALLOON when I am XXXX XXXX XXXX AGAIN I AM NOT XXXX STUPID OR CRAZY -- -- -- -- -- -- NEW TRIAL PAYMENT OFFER -- -- -- -- -- -- -- -- MY GROSS INCOME ALL THE MONEY IS AT {$8500.00} for three of the HIGHEST MONTHS OF INCOME XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- {$8500.00} -- -- - Then my Deduction on EXCURSIONS the CAR BUSINESS of {$850.00} per month- and the Deduction of the MORTGAGE ON MY COMMERCIAL RENTAL FOUR PLEX of {$2600.00}. That would CLEARLY LEAVE the INCOME for XXXX XXXX XXXX at {$5000.00} - with a new proposed mortgage payment of {$4000.00} WHO IN THE WORLD BEING A CREDITED FINANCIAL INSTITUTION OFFER A MORTGAGE TO A CLIENT at AT 20 % TWENTY PERCENT INCOME TO MORTGAGE PAYMENT THE LOWEST ALLOWED FEDERALLY IS 35 % - SURE THIS IS NOT A FEDERAL NOTE ITS A IN HOUSE FIANCE PROGRAM -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80206
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A