Date Received: 2015-08-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: The problem is I am working with a mediator to keep my home from being foreclosed on. I became negligent on my morning when my ex husband left me. My ex took loans out against the mortgage without my signature when the loan was with XXXX XXXX. This made the mortgage payment {$2700.00}, there is no way I could pay that even with my ex still here. The new services for this loan is thru Shellpoint aka XXXX XXXX but this is the XXXX time in 3 years the servicer had changed and I have to redo all the paperwork, or the bank waits until I have to resubmit new financial documents. At this point there is so much interest and late fees from the last 3 years of stalling I do n't know if they will approve the modification to get the payment {$1400.00} or below. I really feel I am being taken for a fool and just being jerked around. The worst of it is at first I did not accept the amount of the mortgage but I cant prove it due to my ex burning everything in the file cabinet before he left. They say since I ca n't prove anything I have to accept the amount they say I owe.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VT
Zip: 057XX
Submitted Via: Web
Date Sent: 2015-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been working on a short sale since the end of XXXX with the XXXX mortgage company. There is a XXXX mortgage on the property, which the borrowers swore they did n't have. Spent 6 weeks trying to find out who held the XXXX mortgage, only to be told that no one was claiming it. XXXX bank said they showed it as closed, when asked to get a Satisfaction filed, I was told no. Finally, after running the borrowers credit report, I found the XXXX mortgage company on XXXX XXXX, 2015. On the same day, I contacted the mortgage company and faxed everything they needed to them to approve a short payoff of the XXXX mortgage. On XXXX XXXX, additional docs were requested by the XXXX mortgage and were faxed right away. They then told me that the loan was being transferred in 5 days to a new mortgage company, but they would forward everything to them and we should have approval right away. I contacted the new mortgage company, explained that all we were waiting on was the XXXX mortgage approval, so the XXXX mortgage could complete their review. On XXXX XXXX, I called to check the status and was told that the previous mortgage company had not forwarded documents as promised. I faxed everything to them that same day. I have consistently called to check the status and get no phone calls back from them. I stayed in contact with the XXXX mortgage company throughout, but as of today, we received a fax from them denying the short sale as the documentation needed from the XXXX mortgage company had not been received. I called the XXXX mortgage company and verified with them, that now we would have to start all over with them, while still waiting on the XXXX mortgage to approve. XXXX foreclosure sale date has already been cancelled, and I 'm worried that they will schedule another date soon and we wo n't be allowed to get this short sale completed because the XXXX mortgage company is dragging their feet. Do they not realize they will get nothing if it goes to foreclosure? What is wrong with these banks? They are a XXXX mortgage and still require all of the documentation that has been sent to the XXXX mortgage company. They should just be concerned with the amount they receive and either accept what 's offered or they could counteroffer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34689
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I recently paid my mortgage company the amount they said I owed in arrearages to stop a foreclosure sale. As of today, they are informing me that the sale is still scheduled and they have not returned my payment.
Company Response: Company believes complaint is the result of an isolated error
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I applied for a loan, I was told that I would get a 7.5 % interest refinance loan after all me person information was submitted at the last min. I was told that they could only do a 11.5 % interest Loan, The appraisal price was inflated, Loan to income ratio was ignored. I was told to discontinue my current loan payments because it would throw off the numbersand Other predatory practices
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33830
Submitted Via: Web
Date Sent: 2015-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-13
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I received unsigned communication from an alleged mortgagee debt collector ( Shellpoint Mortgage Servicing ) claiming that they represent XXXX XXXX and that I owe {$84000.00} to their client. I have replied to them with in the XXXX day period they set a verification of debt documentation and have sent it to them via Certified Registered mail # XXXX, Giving them XXXX days to respond. Since I know that their attempts are fraudulent, as I do not owe this money to anyone I want to get the CFPB involved. I have attached the documentation that has gone out to Shellpoint Mortgage Servicing,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2015-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-13
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: filed s previous complaint # XXXX Shellpoint Mortgage Serviving. Shellpoint responded explaining what they could do and how shellpoint sent me an authorization to sign then they responded laying out what they would do. They did nothing the credit agencies reported for XXXX day and removedany thing to do with Shellpoint. Shellpoint is messing with our lives ourcredit reports this is causing a rollercoaster with our creditscores.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2015-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: My mortgage was recently transferred to Shellpoint Mortgage Servicing. I was given the phone number ( XXXX ) XXXX. When I try calling them, the greeting " All calls will be recorded '' is played, then the call disconnects. This has been going on for several months. I 'm also unable to create an online account. I need to discuss this and other issues with them. I 've been making my payments via USPS XXXX so I have proof of delivery, but this should not be necessary. It need the means to communicate with this company.
Company Response: Company can't verify or dispute the facts in the complaint
State: MO
Zip: 63301
Submitted Via: Web
Date Sent: 2015-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-06
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Hi, I need help ; we were given a XXXX neg. mort. Loan, XXXX XXXX XXXX bought the loan and sold to a trustee of Bank XXXX. We have been trying to get a modification since XXXX, in XXXX we retained lawyers and Bank XXXX still refused to modify us. On advice of lawyers we stopped our payments and consolidated our debt. Recently Shellpoint Servicing took over for Bank XXXX XXXX. We agreed to short sale our home, because Shellpoint would n't modify us either. We have a legal agreement with Shellpoint that we could short sale our home as long as we had an offer in my XXXX XXXX, XXXX. We had our property on the market for two months and gave Shellpoint the highest offer on XXXX XXXX, XXXX. Shellpoint just got back to us today XXXX demanding {$200000.00} more for the home. If Shellpoint does n't agree to this short sale, we will be foreclosed on and not be able to buy another home for up to 5 yrs. Is there anything you can do to assist us in pushing Shellpoint into doing the short sale? Short selling our home is better than foreclosing and we have been trying for 7 years to save our home. They did n't want to help us, so now they do n't want to short sale us and honor their agreement. We are with Shellpoint Mortgage Servicing, account number XXXX. The property address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2015-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-06
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I am filing a complaint against Shellpoint Mortgage for reporting an account that is not mine on my credit report. The account in question is a Shellpoint mortgage account that was opened in 2007. I have no knowledge of where this account could have come from. Not only is this account not mine, but it 's severely hurting my credit because the actual account holder is letting the account run late. As a result, I have been having late payments hit my XXXX report for the past several months. I am attaching a screenshot of the account on my credit report showing the account number and the last time it reported. I have disputed the validity of this account to them and to this date, nothing has been done. This account is not reporting on XXXX, which is further proof that it should not be there in the first place. XXXX should not be reporting someone else 's information on a person 's report, even more so when it does not belong to them. The account number is XXXX. Please help me fix this. I have attached a police report, deed and title showing this mortgage is not associated with my name.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: SC
Zip: 29576
Submitted Via: Web
Date Sent: 2015-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I contacted Shellpoint Mortgage Servicing to get a written statement of debt so I could pay it off. The debt was a result of a real estate short sale in XXXX. The HUD agreement was {$5000.00} to include an initial payment of {$2000.00} at closing from the bank and I would make XXXX payments of {$49.00}. Resurgent Mortgage sold their debt to Shellpoint Mortage Servicing in XXXX. At this time, it seems they failed to include important information regarding their agreement with me and the terms of the settlement. I contacted Shellpoint in XXXX of this year, XXXX. My intention was to pay off the debt. According to my calculations, I should only owe around {$1000.00}. I was told that I owed over {$17000.00}. I explained the situation, even sending them the original Settlement statement and 2 years of bank statements showing payment history. For the last 3 months I have been calling and attempting to get a settlement statement. I talk to someone different each time and they assure me that I will receive the amount in 5 days. The last call was made on XXXX XXXX, XXXX and the CS agent told me my balance was {$960.00}. Today is XXXX XXXX which is 9 business days from the last request. The " new '' person I talked to began with the same amount due of {$17000.00}. When he finally looked at the note from XXXX/XXXX/XXXX, he told me that nothing had been done around my request for a settlement statement. At that point, I asked to be transferred to a supervisor.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97222
Submitted Via: Web
Date Sent: 2015-08-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No