Date Received: 2017-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX XXXX , I refinanced this mortgage to a local credit union. Previously with Shellpoint Mortgage Servicing. There servicing had been very poor after taking over for XXXX XXXX XXXX Mortgage. They were suppose to pay the property taxes in XXXX XXXX , they did not, so the new lender paid them at the closing of the new mortgage. I have verified with the city and who actually paid them. I also have a copy of the check that paid them from the credit union. The amount I 'm owed is {$5000.00}, this is the amount that should have paid the property taxes. Every time I called I received a different story from Shellpoint, first they paid electronically, then sent check, and recently that they had a third party vendor pay. I have called every week or XXXX since XXXX with no success. It does not seem like a simple mistake, it seems that they know they owe the money, but have a plan to defraud! The phone number I have been calling is XXXX and they are in XXXX , TX. I also asked for proof of payment which they refused because there is n't any. Any help to recover my escrow balance would be greatly appreciated. Thanks
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 54904
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-05
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: After purchasing the morgage, I filed for divorce in XXXX . In XXXX of XXXX , the finalized court papers stated that the husband was to be reliable for the property and that the wifes name was to be removed in XXXX . The husband then turned in the court papers to XXXX XXXX XXXX w here the account originated from and the wife signed a quick claim deed. Every since then, i have had all non payments on my credit report since causing myself to not get approved for anything. Its been 8 years! I called a couple months ago and was told that i would need to take it up with the court and hire an attorney to get it off my credit. All documents were turned in and verified on the phone that they received them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Re M ortgage : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAX : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , 2017 REMOVE THE FRADULENT OVERCHARGE IN $ 65,000+ TO - DATE A ND GROWING HONOR YOUR IMPOSED INSURANCE POLICY HOUSE ROTTING, FILLED WITH MOLD!!!! Dear Shellpoint Mortg age : IN response to our letter which FAILED to provide ANY validation to the {$65000.00} of fraudulent fees, interest, interest on fraudulent interest, endless duplicate, quadruplicate fees.. etc.. All your letter shows is that my payments were suspended not applied.. and bank kept imposing new fees over and over on top of each other while stretching out the loan mod because of their negligence or in a clear intent to defraud. 1 ) This is my 10th + R equest to please remove the fraudulently and improperly added {$54000.00} to my mortgage balance of {$200000.00} approximately ( 25 % increase overnight in the balance!!! ) and all accrued interest on this fraudulent amount that should have never been added in the first place. I have made MANY requests by phone, in writing, and through an attorney in the last 12 months, yet none of your communication, including the Letter you sent on XXXX / XXXX / XXXX failed to include the calculations - accounting for the disputed {$54000.00} - thus you FAILED TO VALIDATE THE DEBT. I have been paying MORTGAGE PAYMENTS as instructed and on time, as directed by your bank and your predecessor XXXX XXXX XXXX you chose to suspend and NOT apply many of my payments. I am not a Mortgag e Expert and can not fix your computer errors that favor your accounting and in such an exorbitant amounts.. On top of {$54000.00} you charged me another year on this interest, a lot of processing and inspection fees as bank failed to even properly do modification and kept having many errors and kept charging me fees to correct banks own errors. I estimate the overcharge to be $ 65,000+ That was requested on MULTIPLE occasions. We are AG AIN requesting to provide ex act calculations of that {$54000.00} NO credit was posted on the - {$40000.00} or XXXX . Please provide the dates due and amount of each dollar portion for the {$54000.00}, including principal amount at the date this interest was assessed, interest amount, etc 2 ) We also requested full accounting to the many trial payments that were suspended instead of applied to balance and counted to reduce the interest calculations or counted toward principal on the dates they were made. There suspended payments were actual money I paid and should have been properly credited toward interest and principal. 3 ) Forced Placed Insurance our client was charged for very HIGH premiums yet when she asked for help repairing the winter storm, burst pipe and other damages she was brushed off by your representatives and was denied even a copy of the policy. The house is deteriorating rapidly and if not repaired will be condemned shortly. We request your urgent assistance in getting it repaired. The borrower has reached out to over XXXX contractors but have not received an acceptable estimate / bid for repairs nor does she have the funds to repair the items that should have been paid by the insurance you force-placed on her. If the tenants file a MULT I MILLION DOLLAR LAW SUIT for damages from living in a mold infested home becaus e Shellpoint denied to honor their own forced placed insurance, how does it benefit anyone? Banks own INSPECTIONS certified home at the time of forced placed insurance imposition to be in GREAT CONDITION and now its ROTTEN so the evidence is very clear that all the damages happened during the insurance placed by the bank and I reported them and tried many times to get your policy and the bank to fix the house. Not a single dollar was offered toward the repairs! Just a flat denial, not even a policy detail to show me WHY it was denied! Full secrecy a nd Fraud. 4 ) Please also confirm the jurisdic tion / venue for any legal proceedings in regards to this mortgage. This is to ensure that if legal action is necessary it is filed in the proper venue. Please take NOTICE that FAILURE TO PROVIDE THE REQUESTED information & financial compensation I have requested on multiple occasions, constit utes an INTENT TO DEFRAUD, & FAILURE TO VALIDATE THE DEBT and the mortgage maybe deemed INVALID. CRIMINAL LIABILITY may also be imposed on forcing occupants to live in a mold infested home as you failed to repair the damages and its getting worse. I personally have no expertise or resource to repair, but have been making all possible efforts to even get an estimate. I reques t : 1 ) An immediate refund of {$65000.00} in FRADULENT FEES, charges, interest on fradulent fees and charges 2 ) Full repair of the home to save it from complete loss. I estimated damaged now over {$300000.00} Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I filed for a short sale with Shellpoint Mortgage Services and they have continuously put me in a run around. I have supplied a buyer and they are still postponing the approval by stating it has to get approved by a supervisor, investor, manager, etc. I have advise them repeatedly I may lose my buyer and they do n't care. They stated they have tried to call me which I can supply p hone records to show they have not. My lawyer has called continuously to see what we can do to move this along and they keep giving her the run around. I believe they are trying to push me in foreclosure even though have been approved for short sale and supplied a buyer. I have a XXXX XXXX mortgage and they have extended this well past the 60 day approval process. I 'm in need of assistance badly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60046
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was with XXXX then they sold to Shellpoint, after 30 days of working with Shellpoint they denied my loan modification, they have no grounds, gave me no explanation. I received a letter on XXXX / XXXX / XXXX to appeal withing 30 days, today is XXXX XXXX and my housing counselor j ust found out that I have a sale date for XXXX XXXX , XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have filed a complaint with CFPB ( XXXX ) an d Shellpointe ha s responded to you and I have seen the response. I have attempted to contact them but they will not respond to my calls. I would like to know the status of my refund.
Company Response: Company believes complaint is the result of an isolated error
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I filed complaint with CFPB XXXX it is listed as resolved but it is not resolved. I would like to have the complaint reopened and I would like to dispute the company 's response On X/XX/2017 the company responded that they would release the loan in 24 to 48 hours but they have not. I have been calling and emailing their compliance department and Release of lien department but have not received a response. They can not play a 60 day window. the 60 day window should have started on XXXX XXXX . I need this resolved now because I am tied up in a refinance right now and will soon be losing more money in non refundable closing costs.
Company Response: Company believes complaint is the result of an isolated error
State: RI
Zip: 02920
Submitted Via: Web
Date Sent: 2017-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Please refer to CFPB complaint # XXXX and # XXXX . I have been working to get a Deed in Lieu or Foreclosure process ( either one ) done with Shellpoint Mortgage for almost t three years now. They approved a Deed in Lieu yet have done nothing to get this accomplished. All title work has been up-dated. For the eighth time they requested me to update my paperwork, which I did. I then received the attached letter stating that the process is beginning from square one AGAIN. Each time I complete the requested documentation the process starts again. The paperwork expires because of Shellpoint, not on our end. They sit on the process. In the meantime they requested I have all tenants vacate the property, which I did and they are charging me maintenance fees. Because the property is vacant there is no income coming in to offset the mortgage. I am at a loss. We are more than willing to sign over the property via Deed in Lieu o r Foreclosure, yet they do nothing. They return no phone calls, no emails, no communication. We are at a loss as to why they are dragging their feet on this. I do not know where to turn for help. I have documentation of emails sent on a regular basis and phone messages left on a timely basis yet no assistance or communication. The only information I receive is an occasional phone message stating that someone will contact me. No one ever does!!! Can anyone help us get this process completed? We are trying to work with them but they are not working with us or anyone else to get this resolved. Please help me!!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2017-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: After years loan modification has damage our credit, we have been stressed out, ,and we g ot 4 time transfer our lender, mortgage servicing from XXXX XXXX to XXXX XXXX and to XXXX XXXX XXXX , we paid three months trail mo dification from XXXX / XXXX / XXXX through XXXX XXXX with all hope and affordability modification after al l required trail mo dification to XXXX XXXX XXXX XXXX {$34000.00} we have not received affordably modification an d sale our loan to new mortgage services, Shell pint mortgage servicing.we believed th ey are violated the Californi a law because the collected the money after 5 years expired statue limitation, my account due dat e start XXXX / XXXX / XXXX than lender collect the trail money start XXXX / XXXX / XXXX than we never received an affordable modification. Now our loan trans fer to Shell point servicing Inc. ne w mortgage servicing. we start over and submitted all new modification required by shell point mortgage servicing. we got Denied by shell point servicing inc by using our pass income not present income. we need loan modification affordable rate and term.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2017-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Applied for a Load modification and was approved by current lender in XXXX of last year after my mortgage amount increased by XXXX a month.I sent the XXXX payment in and apparently that payment was never applied because the modification was already approved so I was told that XXXX payment was sent into the first trial payment was told that my first official month would not start for trial period would not begin until XXXX so that put me a month ahead with t he 3 trial payment period so I made all 3 payments well within the time period given but as this is going on im still getting collection calls about my reg mortgage payment I ha d to explain each and every time that I was in Modification process and was making trial payments they had no idea what I was talking about the third and final trial payment was paid XXXX of XXXX here we are in XXXX and the process has still not been completed and every month since XXXX is showing missing payment on my credit report as well as my loan so my statement is reading that I owe XXXX in missed payments and late charges I have been calling every week trying to get this problem corrected all im told is to just keep making trial payments until everything is final so I have been doing just that but Im looking online and I see my escrow account is in negative and I have a 10k d eliquent balance on my account I keep getting blown off put on hold transferred to people who cant help me then i was told an error was made on their end as someone entered the wrong percentage rate and that was the reason for the holdup I told them that my credit score took a huge dive because they were still showing delinquent payments since XXXX no help no return calls and no answer as to whats being done to fix this problem I even sent email to the escalations department no answer from them either pleas help!!!
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2017-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A