Date Received: 2023-06-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The servicer did not pay the insurance as promised therefore, causing it to lapse.
Company Response: Company believes complaint is the result of an isolated error
State: FL
Zip: 32084
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I fell behind in XXXX due to a medical condition. I suffer from XXXX and unfortunately, i wasn't able to work until my condition was under control. I am still XXXX XXXX XXXX care as the situation has gotten worse though the years. I started working with a company that was trying to help me save my home by doing a modification. This started in XXXX durning the pandemic. I was denied and they we tried applying again including my daughters income who lives with me. They denied that modification in XXXX. We then filed an appeal and was still denied. I than decided that was going to sell the property to avoid foreclosure. I started working with a real estate agent to help me sell my home. In the midst of us submitting documents XXXX transferred my loan to Shellpoint. My agent submitted the documents requested. The representative at Shellpoint took weeks to get back to the negotiator as she was requesting updates and for an interior appraisal to be completed. The investor denied doing an interior and i was never provided a denial letter or the reason for denial. The point of contact at Shellpoint refused to provide my representative with the reason for denial.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The main issue with my current mortgage company started back in XXXX when I received correspondence that my mortgage company would be changing from XXXX XXXX XXXX to New Rez. As requested by New Rez, I went into my payroll system for the XXXX to update the wiring information from my XXXX XXXX allotment to the new banking information provided by New Rez. I changed the wiring information upon receipt of the routing and account numbers when I spoke to a representative back in XX/XX/2022. My next payment from the XXXX system that controls my XXXX XXXX XXXX pay in XXXX was supposedly not received by the banking institution New Rez uses and I received a past due letter by mail. I submitted the proof of payment referencing the attached documents ( Allotment screenshot of updated, and the past two End of Month LES ) to show that the allotment was wired by allotment to their banking institution that handles the payments using their " Contact us '' link on their website. Within 30 days my account was credited as they had found the allotment payment submitted to my mortgage company in the amount of {$860.00}. This same situation occurred again in XXXX with me receiving a letter and then by me checking my account status online through my mortgage portal of New Rez. I again submitted proof of payment by allotment through wire using the payroll system XXXX that the XXXX XXXX XXXX uses to pay it members. I submitted documents ( EOM LES, allotment screenshot information from XXXX ) to show that the banking information input was correct and that the money had been deducted from XXXX XXXX and sent to their banking institution. I then called on three separate occasions to follow up on my submission of the documents to check the status. This was over the course of XXXXhree weeks. Finally, after over three weeks I was able to get a representative to confirm with me that none of the other representatives had not submitted a ticket for review to the appropriate department for my dispute over the past due amount of {$860.00} which had been sent the same way as in XXXX and had not been received although, XXXX payment, XXXX payment had been credited to my account with no issues. This is where the concern is for me and where my biggest frustration is with their proper tracking of wired payments made to the bank that handles their payments. It is now XXXX and after having received a secure online correspondence from them stating that a payment had been applied but there was still a payment missing is my concern. I have not changed any of my allotment information on the XXXX system since it was originally input correctly in XXXX and I had called at least two separate occasions to confirm the accuracy of the routing and account numbers for payments. I have attached documents to show wired payments coming from my XXXX pay, the letters of correspondence, screenshots of wired allotment information, and statements from my mortgage company. As of today, the statements still show my account is past due {$860.00} from the supposed missed payment in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 422XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Newrez LLC/ NEWREZ LLC c/o SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX, XXXX XXXX SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Property Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX It has come to our attention that SHELLPOINT MORTGAGE SERVICING XXXX XXXX, SHELLPOINT MORTGAGE SERVICING, Newrez LLC/ NEWREZ LLC is our new debtor ( s ) as of XX/XX/XXXX in the year XXXX? Hello, we are your new XXXX XXXX XXXX. Although, the company/companies have only purchased a piece of paper called a ( Title ) and not our property due to we, the living and breathing man and woman living in the land and soil jurisdiction of, The United States of America , unincorporated and having paid our property at the closing of the day on XX/XX/XXXX in the year XXXX with the extraction of our credit in return for our property at, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also taking 10 times the amount of our loan to loan to others. We have the promissory note that states it is our property. Apparently, this was not disclosed to SHELLPOINT MORTGAGE SERVICING XXXX XXXX, SHELLPOINT MORTGAGE SERVICING, Newrez LLC/ NEWREZ LLC for your piece of paper ( Title ) in exchange for your payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX It has come to our attention that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is our new debtor ( s ) as of XXXX XXXX XXXX XXXX XXXX XXXX? Hello, we are your new XXXX XXXX XXXXin-Fact. Although, the company/companies have only purchased a piece of paper called a ( Title ) and not our property due to we, the living and breathing man and woman living in the land and soil jurisdiction of, The United States of America , unincorporated and having paid our property at the closing of the day on XX/XX/XXXX in the year XXXX with the extraction of our credit in return for our property at, XXXX Highway XXXX, XXXX XXXX XXXX Louisiana XXXX XXXX also taking XXXX times the amount of our loan to loan to others. We have the promissory note that states it is our property. Apparently, this was not disclosed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for your piece of paper ( Title ) in exchange for your payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My husband and I bought a house XX/XX/1998. We have paid on this loan until the present time. During XXXX I was without work for a while. I called my mortgage company which was Shellpoint at that time, to ask about getting a loan modification. They set me up and told me that we could go several months without paying due to XXXX. So I took advantage of that. When the months were up, they wanted the total amount due from all the months that I missed. Well, obviously I could not do that. So I asked for a loan modification. I didnt think anything about it because they recommended it and told me dont delay take advantage of this great offer. They sent the document for me to sign. It was XXXX pages long, and I will admit that I did not read every word of it. But the part that I did read led me to believe that they were giving me a trial. To make a payment on time for XXXX months. And then they would modify the loan in order for me to catch up or to add it to the end of my mortgage. As I had done the same thing with my car loan during XXXX. I signed the papers and did not realize until a year and a half later that my principal was going up and was way more than what we first paid for the house And all the years we financed and paid on it. I just so happen to see the principal balance XXXX day on my statement. At first I thought it was a mistake. So when I called the mortgage place, they said no it was not a mistake. It was just as if we had started all over on a loan for buying our house that weve had 25 years. I couldnt believe it. I feel this was very deceitful on their part. My payment went from $ XXXX {$1200.00}. I assumed that this was the amount different each month that I would pay until the remainder of my loan was finished. This would be XXXX years from now. Little did I know, it was nothing what I thought it was. Because they kept calling it a loan modification. To me a modification is when they change your payment amount for a while until you get back on your feet. However, This was nothing like that. The cost of our house was {$110000.00} in XX/XX/1998. XXXX paid on it for 25 years. The principal balance as of today is $ XXXX from looking at my past statements, this principal balance has gotten bigger each month. A lot bigger. I admit that I always dont understand everything, especially when it comes to paperwork. It is not written in terms that I understand. It seemed to me as if I was duped and coerced into signing something that nobody in their right mind would ever sign. I mean what happened to the 25 years worth of money that we have paid? I am baffled. I can send a copy of the document that I signed if needed now. my husband and I are senior citizens. We are not tech savvy as to how to mail the documents or email them. But we can get someone to show us. How if needed. I just wish we had done that upon the signature of some phony, misleading papers. Our mortgage company now is XXXX XXXX XXXX. At the time of the loan modification it was Shellpoint mortgage company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: usc 1681 section 602 states I have the right to privacy usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction us code s 1681a definitions rules of construction exclusions : except as provided in paragraph the term consumer report does not include any report containing information solely as to transaction or experience between the consumer and the person making the report usc 1666b - a creditor may not treat a payment on a credit card account under an open-end consumer credit card account as late for the purpose XXXX credit card, New Rez Shellpoint late fees
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60490
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had a securitization audit done on my property and there is a lot of fraud found. The service mortgager is not the original creditor and have not given me proof of claim under FDCPA under UCC Title 15 Section 1692 ( g ). They have not given me full disclosure..UCC section 3-2-4 they have nit provided the name and the signature of both, beneficiary of both beneficiaries and the original creditor must be disclosed in the same document. SHELLPOINT MORTGAGE SERVICING are claiming I owe them over XXXX XXXX and has filed a complaint. They are not the Real Party of Interest and are committing Foreclosure Fraud. I will be be sending them a Intent to file a lawsuit
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXXXXXX ( Account # : XXXX ; Balance Owed : {$550000.00} ; Date Opened : XX/XX/2022 ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was sent a letter on XX/XX/2023 from an attorney stating my loan was delinquent and has been accelerated for entire unpaid balance. I sent a letter back on XX/XX/2023 for validation of amount owed. I have not received any validation information back yet as of XX/XX/2023, but keep receiving emails that they are trying to contact me. The amount that is assumed is the amount that would be on time according to my amortization schedule of payments. While going through my consumer report I also notice that my interest rate was change. Also, I would like a complete refund of my down payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A