Date Received: 2017-06-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I been properly provided all documents to my lender in time manner, unfortunately the company that was helping us. made several errors on my application and collect money in advance with promises never fulfill, at the same time, I did requested help from Keep your house California, consequently I got approved for the program. but my lender denied the funds approved from the government program. The lender denied a modification on XXXX, 2017. I did re-applied for a modification for a second review, since my circumstances had change in different ways, i.e my wife had reduction on work hours and high college tuition.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2017-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: In XX/XX/XXXX m y Bankruptcy was discharged in th e Federal Court in XXXX XXXX . Included in the bankruptcy was a mortgage on a piece of property located in XXXX , XXXX which we did not retain. The Mortgage compan y ( XXXX XXXX ) file d for foreclosure in XX/XX/XXXX , the district court in XXXX , XXXX dismissed the case finding the Mortgage company had engaged in illegal lending practices. In XX/XX/XXXX XXXX XXXX sold the mortgage to Shellpoint Mortgage company, this this point to date Shellpoint continued calling me and sending me letters stating that I owed them this money, I explained that this was discharged in bankruptcy and request that they do not contact me on this no longer, They have called me no less t hen 30 times and continue to call, I have also found that they have placed derogatory items on my credit report causing me to be turned down for recent loans. How can they continue to do this after the item was discharged in bankruptcy, I understand that the original lender had the right to foreclose, it has be 7 years and 120 days since I stop making payments to the original lender.
Company Response: Company believes complaint is the result of an isolated error
State: SD
Zip: 57401
Submitted Via: Web
Date Sent: 2017-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is a complaint regarding an unethical mortgage SHELLPOINT MORTGAGE SERVICING. THE COMPANY HAS LIED AND FAILED TO OPT IN TO ACCEPT THE HELP OFFERED FROM KEEP MY HOME CALIF. the company shrllpoint single point of contact is a scam and fraud for 8 months he never returned any phone calls Everytime we call he has answering service never a live person we emailed and faxed the loan modification documents 17 times but shellpoint XXXX XXXX AND XXXX XXXX HAVE DONE NOTHING TO HELP no loan mod no principal reduction nothing. Once we were working with keep my home calif we informed the SHELLPOINT PHONE REPS AND EVENTUALLY ONXX/XX/XXXX we received the attached Notice of approval pending a loan modification from Shellpoint. Shellpoint point repeatedly lied stating they would wait and accept keep my home California program for principal reduction and loan mod but once the notice was issue shellpont has been u ethical when we call they lie and say they never heard from keep my home Calif at all. Now we know this is FALSE as SHELLPOINT INTENTIONALLY MAIKED A LETTER ON XX/XX/XXXX MAKING SURE IT WOULD NOT BE RECEIVED UNTIL XX/XX/XXXX AFTER THE XXXX XXXX XXXX AND THE LETTER BULLY THREATEN US TO MAKE 3 TRIAL PAYMENTS OF {$2400.00} a month when our income is only {$500.00} a week. The payments are NOT Affordable AND THE LETTER SAYS WE HAVE TP MAKE A Down Payment BY XX/XX/XXXX OF {$2400.00} or SHELLPOINT WILL FORECLOSE. XXXX XXXX AND XXXX XXXX HAVE NO ETHICS AND NO MORALS. THEY HAVE FAILED TO ACCEPT THE KEEP MY HOME CALIF PROGRAM TO BRING OUR UNDERWATER UPSIDE DOWN MORTGAGE CURRENT. They DO NOT TRY TO HELP HOMEOWNERS. SHELLPOINT IS ENGAGED IN Unethical ACTIVITY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2017-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX XXXX I decided I wanted to Pay Off my mortgage loan. I started checking my Principal and Interest balance. I noticed t hat ShellPoint Mortgage Servicing ha d the wrong final payment date on my loan.They said the maturity date was XX/XX/XXXX By my Promissory Note the date was XX/XX/XXXX . When I spoke to them they agreed to XX/XX/XXXX . I then told them that the Principal and interest balance was off also. They told me I needed to put in writing a complaint which I did on XXXX . I sent them a Amortization Schedule w ith my loan imformation. They said they had 30 days to respond which they never did. Every time I would call and speak with someone they gave me the run around. As of today my Principal and Interest should be XXXX not XXXX . Loan started on XX/XX/XXXX first payment XXXX . XXXX is my principal and Interest payment per month. loan was for XXXX at 15 years for 180 Payments with a fixed Interest rate of 7.9 % .When I asked them to send me a Amortization schedule they said they did n't have to.This loan has never been modified or any payments deferred The loan is current. I appreciate your assistance in this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 24017
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have been awaiting short sale approval since XXXX XXXX 2017. the negotiator keeps promising the approval will be ready " in a couple of days '' but it never comes. Today I was told that the approval was not issued because they needed updated document. The documents which they requested XXXX , XXXX XXXX , an d Dodd fr ank were all updated and provided as of XXXX XXXX . Those documents have a 90 day self life and are not expired. This caused an unnecessary delay when the buyers are going to walk if the approval is not received by XXXX XXXX .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to dispute the following information in my file. I recently received a copy of my credit report s ( XXXX , XXXX , and XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all XXXX credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXXDear Consumer Financial Protection Bureau, RE : A Concern of Loan # XXXX ; XXXX XXXX XXXX Number : XXXX ; Account number : XXXX, Reference : XXXX ( *a ) First and foremost, I have a huge concern ; I do not bank with XXXX XXXX nor have I ever done any business with XXXX XXXX since they merged with XXXX XXXX XXXX Second I initiated my relationship with Shellpoint Mortgage in XXXX with a XXXX-year fixed mortgage ; I at the time was employed with XXXX XXXX. In XXXX, I lost my job with XXXX XXXX but qualified through XXXX XXXX for a XXXX year mortgage loan and was approved onXX/XX/XXXX for {$31000.00}. * ( b, c ) On XX/XX/XXXX The final payment made by XXXX XXXX XXXX XXXX has been applied towards the XX/XX/XXXX payment. This letter was retained for my records since it varies from the original Deed of Trust, as a loan modification or estoppel will not be completed. The loan will be forgiven in full after XXXX years. * ( d ) I have enclosed a letter** ( a ) from Shellpoint Mortgage Servicing dated on XX/XX/XXXX Wed like to welcome you as a customer of Shellpoint Mortgage Servicing ( Shellpoint ) the letter indicated that this loan was recently transferred to Shellpoint for servicing. I have a concern.
On XX/XX/XXXX I received a mortgage statement* ( e ) and the amount due was {$0.00} however, my payment that XXXX XXXX XXXX XXXX XXXXXXXX ( d ) the Foreclosure prevention fund group had been making for the past year case number # XXXX was for {$1600.00}. did not match up to Shellpoint mortgage statement dated XX/XX/XXXX {$1600.00} ( *f ) and one dated XX/XX/XXXX {$1700.00}. * ( g ) that I received in the within the same week ofXX/XX/XXXX. I have a problem. In XX/XX/XXXX after not being able to obtain a job I moved out of XXXX XXXX XXXX XXXX XXXX XXXX I signed a XXXX year contract with XXXX XXXX XXXX and agreed commission with the XXXX Anniversary seal my first months check for {$1800.00} with the first month to be for commission. * ( h ) On XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and XXXX paid me XXXX XXXX XXXX XXXX different rent amounts * ( i ) ; on XXXX XXXX XXXX XXXX made a direct deposit in the name of XXXX XXXXXXXX ( *j ) while the prior months were XXXX XXXX XXXX XXXX : Webpayment IDXXXX. I also have more information, but please know that Shellpoint Mortgage also charged me {$2.00}, {$2.00} and {$2.00} for autodraft for my mortgage payment when they stated free but on my XXXX XXXX XXXX printed out statement from XXXX branch you charged me those fees of {$2.00}, {$2.00} and {$2.00}. I have a problem. ( *letter ) for attachment location In XX/XX/XXXX with the help of XXXX XXXX XXXX ( c ) of Community Link together we filed a complaint on a government protection website listing Shellpoint Mortgage and XXXX XXXX XXXX XXXX XXXX for Steering ; because my XXXXyear fixed mortgage had gone up, my contract payment had gone down and for some reason I was unable to find a job ; I am a XXXX XXXX XXXX XXXX* ( k ), XXXX XXXX XXXX XXXX XXXX. * ( m XXXX Feelings arent facts but XXXX XXXX XXXX has a XXXX-year presence in the XXXX XXXX area. On XX/XX/XXXX I reported XXXX XXXX XXXX to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * ( n ) XXXXXXXX XXXX XXXX has also failed to send me first and last months rent after contract ended with tenant. Feelings arent facts ; however, I feel as if someone knows and is trying to steer me where I can not get a good job and they know my mortgage payment. I have a home in a very desirable where according to XXXX XXXX home values will increase 4.5 % next year. Compared to a 4.2 % rise for XXXX as a whole. Among Chantilly homes, this home is valued 36.7 % more than the midpoint ( median ) home, and is valued 7.8 % more per square foot. Other amenities XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; double lot ; wrote a XXXXpage letter to XXXX XXXX and lowered my taxes {$150000.00}. In XXXX I dealt with vandalism, I am having a new roof put on my home, and I had a delinquent report put on from XXXX XXXX XXXX equipment left in my home. XXXX XXXX had pre-flagged and placed fraud on my account ; but for some reason, XXXX XXXX XXXX isnt investigating fraud on my credit card, phone stolen and emails have had to be changed due to trojan horse being placed on my phone and email. I have a problem. In earlyXX/XX/XXXXXX/XX/XXXX, I surrendered my XXXX XXXX to save her life, to my Vet. My Vet called me the next day and said I have some bad news she had passed away. She asked if I wanted her to come home, she was going to have her cremated and for me ; and also asked if I wanted to have an impression of her paw. I said absolutely and thanked her so much for adopting her. XXXX weeks later my XXXX XXXX XXXX XXXX got sick ; at XXXX and he too passed away with me at home. I am sharing their paw prints, and XXXX cremated certificate. I just wanted to share my concerns and problems. Feelings arent facts, however, when it feels as if something is terribly wrong and something is driving you to sell, because you can not get a better job, because of a trojan horse/spider technology that is put on email and phones ; people are not contacting you or returning your calls ; emails are lost ; both of your companions your XXXX XXXX XXXX and your XXXX XXXX, XXXX have died within XXXX weeks of each other ; when your house is re-keyed things still go missing I just feel that maybe, possibly someone is behind this. XXXX XXXX XXXX, and looking at Shellpoint mortgage statement dated XX/XX/XXXX and one dated XX/XX/XXXX for {$1600.00} and one for {$1700.00}. and some other information Ive shared someone within Shellpoint Mortgage ; and that is why XXXX of XXXX XXXX and myself reported a concern and what has now turned into a problem to a Mortgage Protection Government Website. Thank you so very much because I feel as if my concern has turned into a huge problem that has overturned my life especially when my huge part of my family has died ; again, I have a problem. On XX/XX/XXXX, I received two ( 2 ) letters from Shellpoint mortgage. One a statement stating that I had an overdue payment for {$1600.00} I have a 30-fixed mortgage ; my taxes and insurance are included. ( *Q ) I have a witness from XXXX XXXX Branch Manager XXXX XXXX XXXX that Shellpoint sent me by certified mail a complete payment history after a complaint I made regarding a delinquent report ; that has be stolen out of my house. The second piece of mail is from XXXX ( *R ) and it is asking for the overdue payment of {$1700.00} and the principal balance is {$230000.00}. It states because of late charges, and other charges may vary from day to day, the amount you owe may change. Please understand I have a XXXX, it is very private but I received an encrypted CD that goes into detail about my disorder. I am also a minority that deals with anxiety and see my physiologist and both counselors on a regular basis and am up to date on my medications. In the interim I am meeting with XXXX XXXX since they reviewed my original 30-year fixed mortgage and I since my payment portfolio has been stolen I will call again and have Shellpoint re-send me a copy. Please look into this as soon as possible I have limited funds and I feel as if a crime has been committed and the crime is call CHERRY-PICKING and it is destroying my life and someone is simply after my house. I reported STEERING with XXXX XXXX last XXXX now it has moved to CHERRY-PICKING. I know that the Government has been investigating because my payment changed XXXX XXXX XXXX XXXX times last year. I made my payments at XXXX XXXX XXXX XXXX branch and I have witnesses that they changed for the better ; thank you. Please know I do not want to lose my home its all that I have and they know that. Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( *letter ) for attachment location TABLE OF CONTENTS ( *a ) Shellpoint Mortgage Servicing. Bank Name XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX ( *b ) Borrowers Affidavit XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Payment Program Loan. ( *c ) XXXX XXXX XXXX XXXX Letter XXXX XX/XX/XXXX ( *a ) Shellpoint Mortgage Servicing. Bank Name XXXX XXXX XXXX XXXX Account number XXXX XXXX ( *e ) Shellpoint Mortgage Statement date : XX/XX/XXXX {$0.00} ( **c ) XXXX XXXX XXXX XXXX Letter XXXX XX/XX/XXXX ( *f ) Shellpoint Mortgage Statement date : XX/XX/XXXX {$1600.00} ( *g ) Shellpoint Mortgage Statement date : XX/XX/XXXX {$1700.00} ( *h ) XXXX XXXX XXXX XXXX Monthly Statement : XX/XX/XXXX ( ***c ) XXXX XXXX XXXX XXXX Letter XXXX XX/XX/XXXX ( *i ) XXXX XXXX XXXX XXXX Statement : XX/XX/XXXX ( *j )XX/XX/XXXXApplication : XXXX XXXXXXXX ( *k ) XXXX XXXX XXXX trophy picture. ( *l ) XXXX XXXX XXXX letter. ( *m ) XXXX XXXX XXXX XXXX ( 2 ) pages of complaint. ( *n ) XXXX XXXX XXXX certificate # XXXX ( *o ) XXXX XXXX XXXX XX/XX/XXXXXXXX *p ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( *Q ) Shellpoint/Delinquent letter for {$1700.00} ( *R ) XX/XX/XXXX Mortgage Statement {$3300.00} ( overdue Payment {$1600.00} )Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Our mortgage for an investment property was with XXXX XXXX . We recently had some financial difficulties because my wife was on XXXX XXXX XXXX and I ended up having to have emergency XXXX XXXX , as well as the fact that work needed to be done on one of the units and it meant that we were not paid for sufficient rent for almost 3 months. XXXX XXXX sold our mortgage to Shellpoint Mortgage. We made arrangements to send them a payment which they promptly sent back. When i called to find out what was wrong ( thinking I had put the wrong account number, etc .... on it ) I was told that the amount paid was not enough and they would need at least 3 months of payments from us before they would accept one dime for us. I repeated what I had heard. I am trying to pay what money I do have to bring us closer to being up to speed ( which I intend to be but just ca n't right now ), and I was told that it did n't matter if I sent them money - they would not accept it. They wanted the equivalent of 3 months of payment or they would send our close into foreclosure. When I asked to speak with a manager I was given the same line. I tried to explain the extenuating circumstances and was told they did n't care. I have money to send them. Not as much as they would like but I have money to send them. Every month they do n't take my moneyt they want yet another month 's payment to bring my account current. I am stuck in a catch 22. I am not in a situation where I can do a short sale. I have plenty of equity, but I ca n't get up to speed because Shellpoint wo n't take any of my payments - therefore putting me farther and farther behind. Do I have no recourse in this situation? Thank you,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27539
Submitted Via: Web
Date Sent: 2017-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a loan modification trial plan from XXXX XXXX XXXX on XX/XX/XXXX. Trial Payments were to start on or before XX/XX/XXXX I faithfully paid 3 trial mortgage payments early through XXXX XXXX. The 3rd payment was due onXX/XX/XXXX. I paid it onXX/XX/XXXX XX/XX/XXXX only accepted cash payments. I have all 3 receipts from XX/XX/XXXX. OnXX/XX/XXXX 1 day after the 3rd trial payment was due, my account was transferred to Shellpoint Mortgage. My account was not recognized in Shellpoint 's system untilXX/XX/XXXX. So, all the times I called between XX/XX/XXXX to XX/XX/XXXXI could not get through to a customer service person because they did not recognize my SS # or loan #. Anyway, I was able to contact, my representative XXXX XXXX and she told me how to make the next payment. On XX/XX/XXXX I received a permanent Loan Modification. I faithfully made 5 payments to Shellpoint Mortgage ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ). I have received confirmation numbers for each payment. Yet, they have me owing 5 payments threatening to Foreclose on my home. I have sent Proof of Payments more than 14 times to them both email and fax. They refuse to acknowledge the payments or update my account. ( This is the short version )
Company Response: Company believes complaint is the result of an isolated error
State: NV
Zip: 89408
Submitted Via: Web
Date Sent: 2017-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have been trying to modify my mortgage for six mont hs with Shellpoint Mortgage Servicing, everytime they tell me I ha ve all the documents submitted and it will go to underwriting it never happens, I would call back and they would say they need new or updated documents. It would take me to call them to get that answer. On X/XX/2017 I called and spoke to XXXX XXXX and she told me the documents I needed and I faxed them over. On X/XX/2017 I d id call again to see the status on the loan and they said they were procesing it. They did send out one lette r back on XXXX XXXX , 2017 stating the package was incomplete. On X/XX/2017 I did fax over the information that they had requested with a cover page stating to please call me immediately if any further documentation was needed. No call back, when I called in early XX/XX/XXXX they said I needed additional documentation, so on X/X/2017 I f axed over the items requested. No call back. Early XX/XX/XXXX I called to see the status and they said they needed additional documentation. On X/XX/2017 I fax ed over items requested. No call back. X/XX/2017 I s poke to XXXX XXXX and he told me i needed to send additional documents I did so on X/XX/2017 . N o call back. In early XX/XX/XXXX I finally was able to speak to the person in charge of my loan XXXX XXXX and he told me the information his representatives was telling me was not true, and began to tell me the documents he needed for it to go to underwriting. ( I have left numerous messages for XXXX XXXX and he never returned the call. ) O n X/X/2017 I s ent over all the information that XXXX XXXX requested with a cover letter stating to please call me if he needed any additional information, and left my cell number. No call back. On X/X/2017 I spo ke to a representative named and XXXX and she said I needed to send additional documentation which I did with a cover letter to XXXX and no call back. Every time I sent over the documentation that was requested I felt the package was complete and going to underwriting and when I would call to see the status, it always resulted in wanting additional documents.I have called and sent documents over other times in the past 5 months but did not document them. I have called and asked for XXXX XXXX supervisor and left messages but no return calls and never any letters from Shellpoint e xcept for the one i n XXXX , 2017
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 12601
Submitted Via: Web
Date Sent: 2017-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A