Date Received: 2017-04-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Received payoff letter for loan with projected payoff date of X/X/17 and title company attempted to tender payment on X/X/17 but was rejected. Received new payoff letter increasing the payoff by {$2100.00} three days later! Requested explanation and was told they forgot to include {$1300.00} for work that their foreclosure attorney performed and {$750.00} for forced-place property insurance they forgot to include. ( Could not explain the other {$80.00} ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48346
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-18
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I began refinancing my home in XXXX XXXX . Prior to closing I received a tax bill from the County of XXXX for the amount of {$10000.00}. I questioned this an d the County ga ve me a corrected bill for {$2900.00}. I called Shellpoint Mortgage Servicing to question whether they would pay the correct amount. They assured me that prior to closing they would check and pay the correct amount of {$2900.00}. During the closing of my refinance Shellpoint pai d the {$10000.00}. I had to put more money into the closing to make up the negative. On XX/XX/XXXX the County of XXXX paid {$10000.00}, check # XXXX , to XXXX Refunds, XXXX XXXX XXXX , XXXX XXXX TX XXXX . I began making calls to Shellpoint in XXXX XXXX questioning where the refund is at and was told to call back in a week or so. On X/XX/XX I spoke with an XXXX ( XXXX ) a t Shellpoint and also spoke with her supervisor XXXX XXXX ( XXXX ). I was told that XXXX had sent a large sum of money to Shellpoint with no attached loan numbers and that as soon as they, Shellpoint, could attach the funds with the accounts I would receive my refund. It is now XXXX XXXX , XXXX and I have not received my refund.
Company Response: Company believes complaint is the result of an isolated error
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage was sold to Shellpoint Mortgage 2 years ago by XXXX XXXX XXXX . Shellpoint states on invoice that payment cut off is the XXXX of each month. In order to get credit in a month one must send in the prior month, or they wont process till the XXXX of each month.Thus, in my case XXXX penalty fee. XXXX my check was mailed the XXXX of XXXX , cashed on the XXXX , by Shellpoint.You will see this in my history. They are a predatory debt collector.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We applied for a loan modification with ShellPoint mortgage. We were approved for trial payments. Three ( 3 ) trial payments. We sent the trial payments an we were sent the final loan modification agreement. We sent it back Shellpoint claimed they never received it. They sent us another agreement we sent it back but they would not not accept it unless we gave them 8 more trial payments that totaled on {$20000.00}. We were on trial payments with XXXX 5 different times and each time we paid the trial payments and nver received a loan modification. Now they are foreclosing on our home with a sale date of XX/XX/2017.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11704
Submitted Via: Web
Date Sent: 2017-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: The short sale has been under review for 115 days. The investor first denied the buyer closing costs despite being a VA financing purchased. Lastly, we were counter to increase the price to {$240000.00}. the current offer amount is {$230000.00}. On XX/XX/XXXX , copious amounts of supporting documentation to back up our offer amount were submitted in the form of a value dispute as a response to the counter. It has been over a month and there have been no updates regarding a decision.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98409
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mortgage company originally told me that my loan was modified. My new balance was supposed to be {$41000.00}. My mortgage company is now telling me that my balance is over {$76000.00} and they have increase my payment by {$300.00} a month. I believe they are incorrect and I want my balance reduced to the amount that was agreed upon in my loan modification agreement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2017-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I BEEN ASKING FOR HELP TO MODIFIED MY LOAN FOR THE LAST 9 YEARS AND INSTED TO BEEN ABLE TO HAVE THE OPPORTUNITY TO BEEN REVIEWED I BEEN TRANSFERED TO A LIST 3 DIFERENT SERVICING COLLECTION AGENCIES UNDER THE SAME MANAGMENT WHO THEY WORK ALL TOGETHER IN CONSPIRANCY TO LET THE TIME GOES BY AND HAD ME UNDER A DUAL TRACK PROCESS IGNORING ALL MY CERTIFIED MAIL REQUEST FOR HELP I BEEN ALSO MADE A DIFERENT COMPLAINTS TO THIS AGENCY AND THE LETTERS THEY PROVIDE YOU ARE BACKDATED MAIL THAT I EVER HAD AFTHER THIS IS EXPIRED AND
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: my loan was forwarded to shell point mortgage servicing for XXXX. I was behind in payments, and made the payments on XX/XX/2016 in the amount of {$2600.00}, which was three months of payments. this payment should have covered the months of XX/XX/XXXX-XX/XX/2016. on XX/XX/XXXX I attempted to make a payment of XXXX, but the agent advised me that I could not make that amount that I need to make 4 payments, which comes to XXXX. She also advised me that I had XXXX in unapplied funds. then she advised me to send XXXX. I had advised her that I would not have that until next week, and she said I had thirty ( 30 ) days to make the 4 payments. I was not in foreclosure, but they could not take the three payments is what she had advised me. I told her that I wanted to dispute the other payments that she said was not paid. she said she was going to order a payment history from XXXX. on Monday I called to make the four payments and the agent told me that I would have to pay the XXXX because as of now I was in foreclosure. I told her that was n't so and I advised her what the other agent had advised me. I then requested for a manager to contact me, which I have n't had contact from the manager as of today. At the time I wanted to make the payment of XXXX I was only 3 payments past due. I am a victim of a wrongful foreclosure.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2017-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The holder of my mortgage refuses to eliminate the PMI from my mortgage with out an appraisal, even though my LTV is less than 78 %. I 've gone around with them on this a few times, and nothing has been resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-04-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In the process of my divorce in XX/XX/XXXX my ex insisted that as I was to be awarded the home the mortgage was to be in my name. The home was refinanced through XXXX under the guise that it would be in my name only. My ex told me years later he knew before signing the documents it would not be in my name as I had no credit or employment history at the time. I wasnt aware of this until after the final papers were signed. The mortgage was taken out after we were legally separated but before the final divorce documents were signed. His name is the only one that shows on the paperwork, ( loan documents ) but I show on the Deed of Trust and he quit claimed the property to me. Our divorce decree awards me the home but is silent about the loan, there is a remedy for breach for undisclosed liabilities in the divorce. I attempted to apply for a loan modification in XX/XX/XXXX and XXXX refused to talk to me as they said the loan was not in my name. My ex said they would not modify it because he did not live in the home. When it was taken over by XXXX I obtained permission to speak to them from my ex and we both participated in the initial modification process. This drug out and he eventually refused to continue to be involved and they told me I needed to apply for an assumption, so I did and this drug out until it was transferred to XXXX and sale dates came and were postponed, paperwork lost ... same story everyone has. The loan was transferred to Shellpoint late XX/XX/XXXX and I submitted a new package as they requested, resubmitting the quit claim 3 times. When I called to make sure all the paperwork was acceptable they refused to talk to me. They said my ex told them I was not to be allowed to submit a modification package and they were not to speak to me and the home was to be sold. I was told that I was not on the physical loan. I sent Loss mitigation an email stating that I was on the Deed of Trust and held the quit claim that there must be an issue with the documents and I want to see the note. I am the owner of this property and should have the modification package accepted. In response, I received a letter addressed to my ex saying I contacted them and they are refusing to communicate with me. The house was to be sold XX/XX/XXXX I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and the sale date has been postponed until XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 96150
Submitted Via: Web
Date Sent: 2017-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes