Date Received: 2023-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PHH AND THE HACKERS THEY PUT ON ME ARE CURRENTLY ILLEGALLY HACKED INTO THE PUBLIC COMPUTERS AT THE XXXX XXXX XXXX IN XXXX XXXX XXXX PREVENTING ME FROM DOWNLOADING THEIR FRAUDULENT DOCUMENTS THAT THEY ILLEGALY HACKED INTO THE DEEDS AND RECORDS DEPT. AT XXXX XXXX COURTHOUSE HERE IN XXXX XXXX AND PLACED TO FRAUDULENTLY AND ILLEGALLY FORECLOSE AND THEN EVICT ME FROM MY PROPERTY AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THE ATTACHED DOC IS 100 % FRAUD AND THEY ARE PREVENTING FROM SUBMITTIN IT TO SHOW EXACLTY THE CRIMNAL AND ILLEGAL HACKING THAT THEY ARE DOING TO HOMEOWNERS HACKING IN AND FILING FALSE AND FRAUDULENT DOCS IN A COURT OF LAW TO EVIC, STEAL, AMD THEN FRAUDULENTLY SALE HOMEOWNERS HOMES. WHEN IS THE FBI AND OTHER LAW ENFORCEMENT AND REGULATORY AGANCIES GOING TO GET INVOLVED AND CRIMINALLY CHARGE THESE HACKERS ALREADY?!!!! THESE HACKERS NEED TO FACE CRIMINAL CHARGES ALREDY!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78223
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: company shellpoint, not stating why mortgage principal not going down after i make mortgage payment. i have a right to pay a loan off. im stuck in a interest loan not allowing me to pay off my house. which is unlawful.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The Mortgage Company, Newrez, has removed the ability to pay mortgages using credit or debit cards, only offering bank draft. This makes it more difficult to pay mortgages for consumers and causes confusion as bank drafts take several days to post to bank accounts. This can cause overdrafts, bank fees, late fees, etc.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 49507
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan transferred to NewRez/Shellpoint on XX/XX/2023. Their app referenced that I was in Bankruptcy, and confirmed on a phone call with XXXX at NewRez on XX/XX/2023, it was determined that the mortgage servicer indicates that my loan is in Bankruptcy. I reaffirmed my mortgage loan and later, my bankruptcy was discharged. That was 13 years ago.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is in regards to Shellpoint Mortgage Servicing and their attempt to charge us for insurance on a property address where we do not and have never lived at. They have our XXXX XXXX XXXX information for our current address and location of our mobile home. We have never lived at the address that Shellpoint has provided. After several attempts, Shellpoint refuses to change our physical address. Thank you for looking into this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MT
Zip: 59105
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Dear CFPB, My name is XXXX XXXX, and I have a great concern pertaining to my loan.My loan has beeb closed since XXXX. Shellpoint Mortgage Loan XXXX XXXX holds the loan now and is still charging me payments.. On XX/XX/XXXX, I will be sending Shellpoint via certified USPS mail legal documents of displaying SATISFACTION OF MORTGAGE NOTE AND LOAN MODIFICATION recorded here in XXXX XXXX XXXX XXXX, Florida. I am requesting a full investigation for possible mortgage fraud pertaining this matter. I had previously filed complaints on XXXX XXXX, and XXXX XXXX fpertaining mortgage issues. XXXX XXXX LOAN # XXXXXXXX XXXX XXXX XXXX # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33556
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been a client of Shellpoint Mortgage Servicing for many years, I have never had an issue arise through working with them. The reason I am submitting this complaint is because of a health crisis I had suffered which resulted in a late payment of my mortgage. On my credit report there is a late mark on XX/XX/2022 for account number XXXX. At the time I was diagnosed with XXXX and I had many serious health complications arise. Due to massive hospital bills and me being unable to work, I was late on this payment. This was during the time when everyone was getting the XXXX XXXX here in Florida and it hit me very hard. I have advised with an FCRA attorney regarding this incident and I was told that my rights are protected under the CARES act specifically section H.R. 748 -- 200 SEC. 4013. I have also included a copy of Section 4021 which protects my rights and from this reporting on my credit report during this period in my life. You have been notified, this late payment should not be reporting on my credit report. My attorney has advised me to write this complaint and if the late reporting is not removed for the month of XX/XX/2022 then my attorney has advised to potentially open a civil case. I appreciate everything Shellpoint has done for me and I consider myself a good customer as well. I hope Shellpoint is able to understand the hardship I have went through and remove the late payment from reporting on my credit reports.
Company Response:
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Around 15 days before the end of XXXX I received a form letter from XXXX XXXX informing me that our mortgage was sold to New Rez LLC and that beginning XX/XX/XXXX no payments would be processed by XXXX XXXX. Other than providing a mailing address for payments and instructions to update our homeowners coverage with the new mortgage company the letter provided no information on what to expect from New Rez. I have been left to assume that there is no change in our account number, but this is not at all clear from the communications. It is now XX/XX/XXXX and we have yet to receive ANY communication from New Rez, a company we had never heard of, and which I understand from my own research has extremely low customer satisfaction ratings and many complaints filed against it. XXXX XXXX was horrible to do business with ; now we can anticipate even worse service. Isn't New Rez accountable to provide some kind of communication to borrowers, in a more timely manner than after the payment due date? We have not received a monthly payment notice from them or any other communications. There is no email address for customer service provided by the form letter we received from XXXX XXXX, and no way to figure out if our account has actually been re-established at New Rez. They have also put on my back responsibility to update my homeowners insurance company. It boggles my mind that I have to do ALL OF THE WORK when they are making good money on my business and putting me through considerable stress and hassle to help them do so. With something as important as a mortgage payment, I feel as a customer and homeowner and borrower the lender should be accountable to provide clear, proactive communications to ensure this transition is handled with no inconvenience to me as a profitable customer of these companies. This is the second time our mortgage has been sold and it is incredible how we get passed around, " sold '' like a piece of meat ; these companies doing these deals owe their customers more! I hope you will hold both XXXX XXXX and New Rez accountable for handling borrower communications when servicing rights are sold in the best interest of people like me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Nowhere in my Note does it say that the lender has the right to change the index attached to my mortgage. Obviously, XXXX is expiring and my loan was based on that index. Lender decided to change to a more aggressive index. While reading thru my documents I do not see where the lender has this authority.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63011
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX Copy to : NewRez LLC NewRez LLC XXXX XXXX XXXX ITS Successors and/or Assigns XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX Loan XXXX XXXX ( Loan transferred to NewRez XX/XX/XXXX ) Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Forced Placed Excess Flood Insurance XXXX To Whom It May Concern : XXXX XXXX forced placed {$130000.00} of excess flood insurance, issued XX/XX/XXXX, effective XX/XX/XXXX to XX/XX/XXXX ( copy attached ). XXXX XXXX has historically waived the excess flood insurance requirement, because individual XXXX insurance for our condo building is not available. Regardless, the forced placed excess flood insurance for the full current XXXX amount of {$130000.00} is NOT appropriate, because the condo building already has {>= $1,000,000} of existing private+XXXX insurance ( copy attached ). Our units pro rata amount of existing insurance, reflecting the total units of XXXX in both the south and north towers is therefore XXXX XXXX {$65000.00} Therefore, it is our position that excess flood insurance should not be required since the XXXX will not insure the individual unit. And, regardless, our excess flood insurance amount if required should be the maximum of the XXXX MINUS {$65000.00} ( for XXXX as of placement date therefore {$130000.00} - {$65000.00} = {$68000.00} of potential excess flood insurance required ). I look forward to hearing your response to the above after reviewing the attached documents.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A