Date Received: 2023-08-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mortgage Loan was with XXXX XXXX then transferred for servicing to NewRez LLC, per the letter I received I was to receive new account info directly from NewRez LLC within 15 days. I have yet to receive any info from NewRez LLC the phone number listed on the letter from XXXX and on their website is XXXX. The phone does not ring, unable to create an account on their website without the phone number. This is going to cause me to pay my mortgage late and likely cause them to add fraudulent fees to my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 52806
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My husband a XXXX XXXX Veteran and I have a mortgage with New Rez Mortgage. It is up to date. NewRez Mortgage has asked for a copy of our homeowners insurance policy. We have faxed it and mailed it 4 times. Our Insurance agent has sent the information.They refuse to acknowledge receipt of this information I have called New Rez to ask if they have the information and they said yes. And they continue to send threatening letters that they will buy insurance for us at a high rate if we don't send a copy of our policy. It has been sent 5 times and they refuse to acknowledge receipt of the information. I am XXXX XXXX XXXX and I get chest pains each time a letter arrives. I don't know what to do. No one will help us. New Rez will not give us a street address to send the information certified. They will not allow me to speak to a manager. No one will help me and I don't know what to do. Now they are sending Letters with XXXX XXXX saying they are going to buy insurance for us at a high rate. New Rez needs to acknowledge the i insurance we sent. It has our ID number on each page. And it costs us money to fax and mail to their XXXX XXXX XXXX I don't know what to do and I am scared. Please help make them read the information we sent. Thank you
Company Response: Company believes complaint is the result of an isolated error
State: FL
Zip: 33782
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for dins purpose. XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Ive been a victim of Identity Theft & Securities Fraud. My rights per FDCPA Fair Debt Collection Practices Act & FCRA Fair Credit Reporting Act have been violated. I just received a notification alert, XX/XX/XXXX, from my XXXX Identity Theft prevention account showing ( NR/XXXX ) aka Newrez XXXXShellpoint Mortgage Servicing used my Social Security Number for the 3rd time to do unauthorized bank adjustments for {$360000.00}. I made an identity theft report # XXXX to the FTC Federal Trade Commission. Furthermore, this week I received a letter from the XXXX XXXX XXXX XXXX XXXX office alerting me of an unauthorized deed filed. I spoke with them to proceed with an investigation in an effort to prevent real estate fraud. The paperwork notice shows an unauthorized Corrective Grant deed was filed on XX/XX/XXXX, ordered by XXXX XXXX XXXX XXXX XXXX ( hired by Shellpoint/Newrez , a debt collector ). It seems they are conspiring together to swindle & steal my property through theft and conversion & trying to falsify records & transfer title of my property. They are violating 15USC 1692 false, deceptive & misleading representation, in connection with the collection of any debt such as the false representation of the Character or legal status. Theyre purporting an invalidated debt under false pretenses USC title 18 section 1001,2071,2073 ( falsifying records ) & its illegal for attorneys to purchase debt & then file lawsuits which they also did saying they made a mistake on the legal description of title so they are trying to sue for title when they have no lawful right, they arent the real party of interest, nor holder in due course. Shellpoint admitted multiple times they are just the servicer ( not the owner ) so they have no enforceable right to foreclose or collect this invalidated debt. They are also violating 15 USC1692d ( 1 ) & 1692e ( 2 ), e ( 3 ) e ( 4 ) e ( 6 ) & 1692f ( 6 ) threatening to unlawfully repossess my property & I need help enforcing my federally protected consumer rights. Please delete this fraudulent account that involves identity theft within 4 business days per 15USC 1681-c2. Despite my many good faith efforts since XX/XX/XXXX, to get this account verified, validated and settled, Shellpoint has continually failed & commit abusive & unfair practices. It appears to be willful and negligent behavior at this point as its been over a year of disputing. Shellpoint never notified the credit bureaus from the beginning that this debt was in dispute since XX/XX/XXXX, violating 15usc 1692c ( 8 ). They have violated 15 USC 1692c & b where the collector must cease collection activities until the debt is validated. Furthermore the credit bureaus continually report inaccurate & negative information causing defamation of character & damage to my credit score preventing me from purchases. When I notified the credit bureaus on XX/XX/XXXX of the fraud and identity theft thy put an alert on my accounts ( see credit report ), but nothing further was done because they said Shellpoint didnt respond to them. Reported inaccuracies on my credit report continued which violates 15USC 1692a2a ( i ) late payments are illegal on credit reports. On XX/XX/XXXX I sent Shellpoint a Validation of debt letter through certified mail # XXXX with green return receipt requested. I asked them for complete payment history which they didnt provide. It should have gone back to XXXX when I originally consumed the property. Shellpoint also failed to provide the correct Original Creditor & address violating 15 USC 1692g ( a ) ( 5 ), and further reported false dates, amounts & many other inaccuracies violating 15 USC 1692g. Shellpoint also gave out my personal info to several unauthorized 3rd parties, including XXXX XXXX XXXX XXXX XXXX without my permissible purposes violating 15 USC 1681b. This has caused further harassment as they have sent people trespassing the cease and desist over 10 times all hours of the day and night causing stress for me & my family. They have further violated my privacy rights by dropping papers off without an envelope violating the Privacy Act of 1974 & 15U.S.C. 6802-6805 failing to properly notifying me of my rights to opt out. They had multiple people deliver papers to several wrong people & wrong addresses, inconvenient place to me, causing defamation of character & reputation, further violating 15 USC 1692 b & c. Ive been notified of Securities Fraud by XXXX that ( NR/SMS/CAL ) used my SSN 3 times for bank adjustments for themselves. It shows ( NRXXXX ) did a bank adjustment for {$350000.00} on XX/XX/XXXX & for {$350000.00} on XX/XX/XXXX, & then the one on XX/XX/XXXX on amount stated above. This is further violation of 15 USC 1681i5 & 15USC 168s-2b. It seems every 4 months they do charge offs but they fail to delete the account. According to the IRS, when a debt collector charges off an account it should be deleted from credit report. I emailed shellpoint asking for a receipt copy of the charge off but they ignored me. They further fail to delete this account. It appears at this point as willful noncompliance & negligence at this point by Shellpoint as this has been going on over a year. This is violation of 15USC1681n. I plan to do a securitization audit if needed to go to court to see how many times NR/SMS/Cal actually securitized this loan already paid off and discharged many times over which is illegal. On XX/XX/XXXX I had sent Shellpoint/Newrez XXXX XXXX an affidavit of truth/conditional acceptances titled Lawful Notice Affidavit of Truth Conditional Acceptance via registered mail # s XXXX XXXX. # XXXX XXXX # XXXX # XXXX with return receipt requested for signatures and received proof of service. The affidavit had approx. 50 points of non-disclosure & fraud I discovered, while enduring infirmity & hardship, including asking for proof of claim from them on valuable consideration & the proof of the 8 points of a lawful contract with my wet-ink signatures which shellpoint/newrez couldnt provide which is unconscionable. I notified Shellpoint that they are in collateral estoppel and are to Cease and Desist and they never honored that and they are continually reporting inaccurate late payments violating the FCRA, per 15 USC 1681. In XX/XX/XXXX still had no response so I sent Shellpoint/Newrez a notice of fault with an opportunity to cure with my notarized fee schedule via registered mail # s XXXX, # XXXX, # XXXX # XXXX all with return receipt requested and all proof of service were obtained. By XX/XX/XXXX still no response from so I issued a Certificate of Default in Dishonor, XXXX XXXX, as they acquiesced to the facts by their silence, standing as truth in commerce through the Maxims of law in equity. I also issued a XXXX XXXX with all the added up violations committed against me added up to over XXXX XXXX dollars & wrote it will be treble in damages if after 30 days. The registered mail # s for those were XXXX # XXXX, XXXX, and # XXXX all with return receipt requested & signed by the Federal Post Office witness on my Firm Book. Shellpoint further failed to cease and desist and failed to delete this fraudulent account. Months later, on XX/XX/XXXX I received a letter from Shellpoint dated XX/XX/XXXX, Shellpoint stated they couldnt provide the proof of claims or contract I was requesting, and made excuses that my questions were too broad, & they are just the servicer ( not the owner ) of the loan and that they dont have the documents ( contract ) Im requesting nor my wet-ink signature etc. ( see attached ). They said they would comply with a QWR, qualified written request and yet when I had sent them a notarized QWR on XX/XX/XXXX they gave the same excuses & still couldnt validate the debt properly. However, instead of ceasing and desisting and erasing the fraudulent inaccurate account, they kept trespassing & harassing as Shellpoint hired XXXX XXXX XXXX XXXX XXXX who has consistently harassed & trespassed on our property at least 10 times all hours of the day & night stressing me and my family out. They also dropped off papers to wrong people at a wrong address without an envelope for privacy, violating due process & privacy rights and more. Shellpoint/Newrez stated they made a mistake on the legal description of title however they were never authorized in the first place. They are now trying to steal my property by falsifying records to unlawfully foreclose without any lawful rights to enforce the note as they do not have the original note, now wet signature, nor proof of claim of valuable consideration, nor the correct original creditor information and there is a major bifurcation/break in the chain of title not recorded properly in the county recorders office making any note unenforceable. These many violations including 15USC 1692E ( 3 ) & 1692i ( b ) were committed & need to be stopped. My privacy rights per the privacy act of 1974 were violated & 15USC 1692c ( b ). Shellpoint has admitted for the record they are just the servicer ( not the owner ) and could never properly validate the debt. They must cease and desist all collection activity & these abusive practices must stop. Please help enforce this and delete this fraudulent account immediately. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been attempting to get a modification for some time. The mortgage company will only accept payments during my bankruptcy term. Hence payments keep falling further behind. I have submitted the loan modification package numerous times and no action has been taken and the three month period is allowed to elapse repeatedly with no action, and then new documents are requested. During this time I have been hospitalized multiple times and have had the XXXX Assistance XXXX helping me with the modification process and they can attest to the information submission and the repeated inaction which then allows the documents to expire and be requested again. I have additionally contacted XXXX for assistance and they indicated via email that upon contacting Shellpoint they were told I was not at least 90 days past due so they could not help. I am enclosing the documents returned to Shellpoint and instructions so you can see the indication that all of the documents have been returned.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20877
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have a nonpayment of a mortgage loan for 3 months. This loan was made back in XXXX. It was assumed by someone in the process of selling the house. There is no other reports of this loan for years. I was told after contacting them, that the loan has not had a payment on it for 6 years. They did not contact me before adding this to my credit report. They just did it. I had to contact them to try to find out what is going on..it doesn't make sense, because we bought the house in XXXX, so why would there be a loan dated XXXX. I do not have paperwork since I throw away after 7 years. I believe the company 's name is Shellpoint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, I submitted a CFPB complaint number XXXX regarding my mortgage dispute with Shellpoint/Newrez. On XX/XX/XXXX The above mortgage servicer filed a motion in court in order to modify my automatic stay. In this motion they alleged I owe {$1800.00} for XXXX XXXX XXXX, and one payment of {$1900.00} for a total of {$5600.00}. Additionally they were alleging attorney 's fees of XXXX. I believe this motion was filed in retaliation for filing the CFPB complaint. On XX/XX/ Shellpoint submitted derogatory mark on my credit report. On XX/XX/2023The Bankruptcy judge granted the removal of the Bankruptcy XXXX XXXX based on the above allegations of shellpoint/newrez. The company 's response the the above complaint relates that the company submitted a response regarding my loan modification to my bankruptcy attorney. However, My bankruptcy attorney indicates they did not receive any mail from them regarding the alleged correspondence in their response to my complaint. In the previous complaint I alluded to this company being a predatory entity. They are predatory in that they seek Bankruptcy accounts and rack up fees when you do not notice by weaponizing the CFPB and Bankruptcy rules to do so. For example their alleged letters say their loan modification is " streamlined '' but it is not based on the actions of this company is strictly for show so that " on the face '' no one sees their violations of CFPB rules and regulations and they can not dig deeper into the matter. The company seeks these bankruptcy accounts because they are in bankruptcy, who's going to believe those account holders??? I have a strong belief shellpoint tell the attorneys for these accounts " you guys want your attorney fees? you better go get them! '' The more games they play by making this mortgage company save money by screwing over the consumer and saving them money the more they get paid. Regarding the Bankruptcy rules. The no contact rule for collection actions is supposed to be a protection for the consumer. Shellpoint weaponizes this by pretending they are stupid and saying " Oh we can't contact you, so when when have to respond to a loan modification we will say we sent it to his attorney. We will win because you are in bankruptcy. '' That is just one example of the nonsense these people are getting away with and who knows how many people they are doing this to as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My husband and I bought a house in XXXX. Our first payment was due on XX/XX/XXXX. We were given a letter dated they XXXX of XXXX that our loan was transferred to XXXX XXXX and will be serviced through Newrez. We got it the day before our first payment was due. At this point we were already set up for payments with XXXX XXXX so thats who we paid with. They said we could pay them up until the XXXX. After that we pay Newrez. We let Newrez know and gave them to confirmation number on the 1st after we made our payment. They said the transfer of payment would take 7 business days. My husband called a week later and that person told him it would take longer. He called two more times each following week, and it was still not complete. I called on the XXXX of XXXX and that person told me they would initiate the transfer and it would take 72 business hours. I called back on the XXXX of XXXX and that person told me every attempt to transfer was canceled due to insufficient information. She said she could talk to a supervisor but there was nothing more I could do. At this point we have letters saying we are late and our XXXX payment was applied to XXXX. We have another letter saying we would get a late payment if we dont pay by the XXXX. I called today and that person told me we needed to provide a screenshot of our account showing we paid the other lender and it was not returned. He said it would take 7 days to complete. He also said that there was something sent to the credit Bureau. I thought we had a 60 day grace period for any credit reports or late fees, which would put us at the end of this month. And in reality this should not have taken this long to fix. I am not sure I trust that this will be taken care of since this is the 3rd person Ive spoken with, my husband spoke to 4 people, and it still isnt resolved.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX my house flooded. Insurance company and adjuster came in. They did the evaluation and submit the claim. The check was was sent to Shellpoint Mortgage Company because the house has not been paid off yet. The received all documents that were requested on XX/XX/XXXX for a check that was for under {$40.00}, XXXX. According to the letter sent the process would take 7-10 days to process. XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX calls were made to check on the process. Now at day 21 still no check. Each call made I was assured that all paperwork was completed and it was being process. XX/XX/XXXX had had enough. Then on that day I was told that a materials list was going to be needed. Call again on XX/XX/XXXX ( 25 days later ) still no check. I was told that I would only get 25 % of the amount until material list was given. I was mailed a check of 25 % of the amount. The contractor is requiring 50 % to order and start the project. So, again as requested and submitted paperwork that was received by ShellPoint on XX/XX/XXXX. Here were are XX/XX/XXXX and still nothing. This check was made out to fix my house not for ShellPoint to keep in the escrow account. What good is a check sitting there and my house is broken and a disaster.!!!! This is totally unacceptable by a mortgage company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I asked New Rez why they are not reporting our payments to the credit reporting agencies. They said that since I have not reaffirmed the loan they don't have to. They are making credit more expensive for me and my husband.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44095
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A