Date Received: 2017-12-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My husband and I have a mortgage with XXXX XXXX XXXX and we applied for a loan modification in XX/XX/XXXX and we have a signed contract stating that our loan modification has been accepted. The next month in XX/XX/XXXX XXXX XXXX XXXX sold the loan to a company called XXXX. In XX/XX/XXXX we sent in the new payment of {$1900.00} and Shellpoint accepted and cashed it. We sent in XX/XX/XXXX Payment of {$1900.00} to Shell Point and they accepted that payment as well. Then, we sent in XX/XX/XXXX payment but they returned the it and stated that we were not paying the right amount. We sent in XX/XX/XXXX payment and they also return to that to us and said we were n't paying the correct amount. We have not paid the mortgage payment sinceXX/XX/XXXX because they keep returning the payment. Now Shellpoint is stating that they are not accepting the modification and they are looking to foreclose on our home. We have tried contacting the president of the company and we have tried getting him to accept our payment, but they will not accept our payments which has lead us to believe that they are trying to get us to foreclose on our home. We have told them that we would catch up on all payments if they would just remove the damage from my credit report. They have been reporting inaccurate negative information to our credit report and now even though we want to sell our home to a new mortgage company, no one will give us a new mortgage because of what Shellpoint has reported to credit bureaus. My husband and I completely are at a loss and feel like we are about to lose our home because Shellpoint company not willing to accept our payments or call us back after numerous attempts to talk to them. XXXX XXXX is the supervisor and she keeps putting us off and will not call us. We are completely stressed by the situation and have the money to pay our mortgage but they will not contact us back and we do n't know what to do. We have a new house that we want to buy in New York but the new mortgage company will not give us a mortgage because of the current situation. Although we explain to them that the company wo n't accept our payments they do not care. We have even contacted and attorney but they all want XXXX plus to help us. I will include all the contracts and documents and bank statements proving our payments and that Shellpoint is completely reckless and negligent in what they 're stating and reporting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2017-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been working with Shellpoint for OVER a year now to process a " court-ordered '' short sale on my property. They have made this very difficult with 4-5 different points of contact during this time. As a result, I have to start the process all over again. Each time, the service agent says they ca n't find my file papers ( such as my XXXX XXXX ; my XXXX XXXX page, etc. ). Then, three months later all of the paperwork is out-dated and I have to refurbish new documents all over again. Furthermore, their communication process is horrible. They say they have called and requested documents from ME, but they have not ... not one of their numbers has been listed on my cell phone caller ID. I just found out today, XXXX/XXXX/XXXX, that they were missing one page of a document back from XXXX XXXX, XXXX ... it 's been almost two months! Ridiculous! I have a buyer for this property and I 'm paying extra each month to keep squatters out. I wish someone would hold this mortgage company accountable for expediting workflow. It seems as though they really want me to file a foreclosure, which is what I am trying my best to avoid. I NEED HELP WITH THIS HORRIBLE SHELLPOINT MORTGAGE COMPANY!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Tried to Modify with XXXX XXXX XXXX representing me in Federal Court and was put into the courts masters program. Then my case was withdrawn from the federal court and was supposed to be put into state court, XXXX committed XXXX. Have been working with a local company after FHA loan was sold from XXXX to XXXX and became a non FHA and then sold to Shell Point Mortgage servicing and was denied numerous times in 2 years. There was no mediation, ShellPoint was and still is conducting UNLICENSED business in my state, and RI Housing issued a Certificate of compliance to forclose when the company is not licensed which is a severe compliance issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: RI
Zip: 02919
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is an addendum to the complaint submitted XX/XX/XXXX ... # XXXX. Today, XXXX, I received an official Notice of Default in the mail from Shellpoint 's attorney ... XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. Shellpoint is in violation of law in the State of California on two counts. 1. Dual Tracking. I have been going through the loss mitigation options with Shellpoint and sent all the requested documents for a loan modification. I was never given an answer on this by Shellpoint and they were pursuing foreclosure without ever giving an answer. My original request was for forbearance due to financial difficulties and was never given an answer on this either. 2. Violation of Notice of Intent. A letter dated XXXX was received from their attorney saying they were going forward with foreclosure. But they had filed for notice of default on XXXX, filing before they even sent the letter of intent. Plus, they are required to wait 30 days after the Notice of Intent to file the Notice of Default. Shellpoint will not even acknowledge receipt of documents they requested of me for a loan modification. In fact, they requested the same documents more than once, even after I complied with the original request. Aside from this complaint, I have sent Shellpoint a QWR asking for answers. I am in the process of drafting a complaint with the attorney General of the State of California for violation of California laws.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95762
Submitted Via: Web
Date Sent: 2017-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: IN XX/XX/XXXX I RECEIVED A FIRST MORTGAGE FROM XXXX XXXX FOR A NO DOC LOAN TO PURCHASE A CONDOMINIUM IN XXXX FLORIDA. I MADE REGULAR PAYMENTS UNTIL THE REAL ESTATE CRISIS OCCURRED IN XX/XX/XXXX AND THEN BEING IN THE REAL ESTATE BUSINESS MY INCOME FELL TO NOTHING. I COULD NO LONGER MAKE PAYMENTS. AS SOON AS THEY ACCELERATED THE LOAN I APPLIED FOR A MODIFICATION AT THEIR INVITATION. THAT PROCESS TOOK TWO YEARS AND I WAS DENIED. THE BANK THEN AGREED TO A SHORT SALE AND WHEN I RECEIVED AN OFFER THE BANK CHANGED THEIR MIND AND REFUSED TO SELL THE CONDO ON A SHORT SALE. THIS TOOK A COUPLE OF YEARS TO PLAY OUT. I THEN WENT TO MEDIATION WITH THE BANK AND THEY AGREED TO A DEED IN LIEU OF FORECLOSURE. MY ATTORNEY PREPARED AND SUBMITTED THEIR APPLICATION AND THEN THEY CHANGED THEIR MIND AND DID NOT ALLOW IT. I THEN SUED THE BANK FOR PREDATORY LENDING AND RECEIVED A DEFAULT JUDGEMENT BECAUSE THEY DID NOT APPEAR IN COURT. THE JUDGE SET THE FORECLOSURE ACTION ASIDE. FIVE YEARS LATER I SUED TO SET THE MORTGAGE ASIDE AFTER THE 5 YEAR STATUTE OF LIMITATIONS EXPIRED WHILE THERE WAS NO FORECLOSURE ACTION IN PLACE BY THE BANK. THE JUDGE RULED IN MY FAVOR AND THE MORTGAGE WAS SET ASIDE AND CANCELLED. THE BANK THEN APPEALED TO THE FEDERAL COURT TO HAVE THAT DECISION SET ASIDE. THE FEDERAL COURT JUDGE REVERSED THE STATE COURT RULING. WHILE THAT ACTION WAS PENDING THE SUPREME COURT OF FLORIDA RULED THAT ALL SUCH ACTIONS WERE TO BE PUT ON HOLD UNTIL THEY RULED ON THE 5 YEAR STATUTE OF LIMITATION. TWO YEARS LATER THEY CHANGED THE LAW IN FAVOR OF THE BANKS AND RULED THE 5 YEAR STATUTE DID NOT APPLY BECAUSE THE MORTGAGES WERE STILL ON RECORD THEY COULD FORECLOSE A SECOND TIME. IN XX/XX/XXXX EIGHT YEARS AFTER I STOPPED PAYING ON THE MORTGAGE, I REAPPLIED FOR A MODIFICATION WITH THE MORTGAGE SERVICER, SHELLPOINT MORTGAGE SERVICING, AT THEIR INVITATION. I HAVE SUBMITTED EVERY DOCUMENT THEY REQUESTED OVER AND OVER AND AFTER MONTHS GO BY THEY AS FOR THE DOCUMENTS AGAIN BECAUSE THE DATES ARE TOO OLD. THEY HAVE DONE THIS SEVERAL TIMES THIS YEAR. THEY NEVER GO TO LOAN COMMITTEE. I HAVE REQUESTED THEY REDUCE THE MORTGAGE BALANCE TO AN AMOUNT THAT I HAVE THE ABILITY TO PAY DUE TO THEIR MAKING THIS NO DOC LOAN TO ME WHEN THERE WAS NO WAY I COULD HAVE QUALIFIED WITH NORMAL DOCUMENTATION. I AM PREPARED TO BEGIN PAYING THE MORTGAGE WHEN AND IF THEY SETTLE WITH ME ON A REDUCED MORTGAGE AMOUNT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70471
Submitted Via: Web
Date Sent: 2017-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My home flooded on XXXX XXXX, XXXX in XXXX XXXX, LA. My insurance company promptly issued a payment for the damages to my home. The payment was issued to XXXX XXXX XXXXl / XXXX XXXX and myself. They first tried to tell me I MUST hire a contractor to do all the work and tried to tell me it was required in my mortgage agreement. I read my mortgage agreement and it is NOT Required for me to hire a contractor. After calling them on that lie, they released the first 1/3 of the money for the repairs. When I requested the first payment they tried to tell me they only had to release money for the repairs that have been completed. WHO are they to hold my insurance funds. They are making me beg and jump through all kinds of hoops to receive the insurance money they are drawing interest from while they hold. I have allowed them to inspect the house to see the repairs are being done, and this still is not good enough for them. I can only do the repairs until my credit cards are maxed out and then I have to BEG them to release the money so I can pay the credit cards so I can start charging again to get the repairs done. This is costing me more because I have to pay the interest on those credit cards. This company is ripping me off and I need someone to stop them and force them to release the money my insurance paid so I can get all the repairs completed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2017-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Shellpoint Mortgage is the servicer of the loan. Due to my wife 's illness we struggled making payments. By law, we were offered Foreclosure Avoidance Assessment ( loan mitigation options ). I replied asking for forbearance until we got on our feet. I was never given an answer on this request. Instead I was asked for documents to support a loan modification. I provided all the requested documents. I explained that my wife was in XXXX and was again working full time. I explained I had obtained a XXXX XXXX. I was working part time to achieve a full year of XXXX experience, which is required for most XXXX XXXX positions. I started my job on XXXX/XXXX/XXXX. Shellpoint kept sending me correspondence asking for the same documents. I responded each time to these requests. I was never given an answer on the loan modification. They kept saying I could do a short sale. I explained that I had over {$200000.00} equity in the home and that our plan is to keep it. I said we were ready to begin making payments and just needed conformation. I was given the following ways to contact Shellpoint. Fax at XXXX or e-mail at XXXXXXXXXXXX. I used the fax number to send the requested documents. I have the confirmation from theses faxes. I used the e-mail address asking for confirmation of receipt. I have a total of seven saved sent e-mails asking for confirmation of receipt of documents. I asked over and over to please respond to me e-mail request. They never did. On XXXX/XXXX/XXXX I received a letter saying foreclosure had begun. I assume the next step is after the required 30 days to file a notice of default. I have talked to a HUD counselor about next steps. He said I should keep pushing Shellpoint on why they would n't respond to my e-mail requests concerning receipt of requested documents. He said it is possible they have been stalling because after 30 days of working on loss mitigation options they can start foreclosure if there is no agreement. He has also given me a referral for a foreclosure attorney. I have detailed documentation of all these interactions with dates and confirmations of faxes or Priority US PS mailings. I do n't have a scanner so I ca n't attach them here.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95762
Submitted Via: Web
Date Sent: 2017-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX continues to attempt to collect a mortgage debt which was discharged in my bankruptcy several years ago. They have been told repeatedly that the debt was discharged, but do not stop trying to collect from me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2017-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To whom it may concern, Please let this letter serve as a complaint against Shellpoint Mortgage Servicing. Shellpoint is the mortgage servicer for our property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Our account number at Shellpoint is XXXX. Our complaint is based on several factors including, but not limited to : 1. Failure to provide answers to written and/or oral requests for information. Shellpoint sends letters every few weeks assigning a different single point of contact for our mortgage, despite leaving voicemails and emails, our calls are not returned. 2. Failure to provide proof of an escrow payment. In XXXX 2017, Shellpoint claims to have made a tax payment to the county/town for approximately {$50000.00}. In XXXX they claim the payment was returned and issued a new payment. To date, the town has not received payment, nor has Shellpoint provided a canceled receipt for said payment. 3. Egregious errors in mortgage statements. We requested a payoff letter and reinstatement letter back in XXXX, 2017. The reinstatement letter which was only provided on XXXX XXXX, 2017 is {$200000.00} and XXXX higher than the payoff letters provided in XXXX 2017, then again in XXXX 2017 respectively. The reinstatement letter mirrors years of mortgage statements which have all seemed inaccurate. Once again, despite numerous attempts of contact, Shellpoint never addressed our concerns. Thank you for your attention to this matter,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2017-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: MY HOME LOAN WAS SERVICED BY XXXX XXXX AND THE PAYMENT WAS {$1200.00} AS THEY CHANGER TO SHELL POINT MORTGAGE SERVICING THE PAYMENT INCREASED TO {$1300.00} CAUSING {$59.00} MORE PER MONTH. SHELL POINT SAYS THAT IN MODIFICATION THE RATE CHANGED TO XXXX I OPPOSED TO BY SAYING TO THEM THAT IT IS NOT TRUE MY PAYMENT DO NOT CHANGE UNTIL XXXX2019 I TRIED TO OPEN CASE COMPLAIN ON PHONE AND BY ON THEIR SITE BUT I HAVE NEVER GOT RESPONSE. WHEN I CALL AGAIN THEY SAID TO OPEN COMPLAIN AGAIN. I AM ATTACHING PROOF FROM MODIFICATION STATEMENT AND REQUESTING OVER PAID MONEY TO BE ADJUSTED AND PAYMENT TO BE REDUCED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29715
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A