Date Received: 2023-05-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Goldman Sachs is the owner of my mortgage and XXXX XXXX XXXX is the servicer. My mortgage has been transferred 4 or more times over the course of 15 years and recently twice in one year. There is a lot of confusion in the validity of my promissory note. I have reviewed my original Mortgage documents including the original promissory note and modification agreement back in XXXX and XXXX. I recently received requested documents from XXXX and documents after a CFPB complaint and after careful review, I noticed that my original promissory note and permanent loan modification documents are not the same. Appears there documents have been altered or tampered with question the validity of my promissory note and modification agreement in XXXX. The correction of my name without my acknowledgment or initials. The notarizing of the documents without my presence. Most Importantly the unfair terms in the entire note and agreement including interest rate renders the promissory note simply invalid. This was during the time of predatory lending right before the housing crisis and bailouts. Lending practices were being violated resulting in invalid promissory notes and mortgages. I would like for Goldman Sachs and XXXX XXXX XXXX to recognize the abuse and unfairness of the agreement and render the promissory note invalid. If we can not come to an agreement of some sort that satisfying to both parties then I have not other recourse but to seek legal redress.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29063
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I am being evicted from my property my late mother inherited a quitclaim deed before she passed in XXXX. I filed an notice of appeal XXXX XXXX and received an appellate number. I also filed in federal court. I filed adversary proceeding with to quiet title. The debt is time barged and its passed its statue of limitations. It is not under my name and did it sign anything with the creditors. Only under my late mother estate. Which it should of went to probate?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Good evening, My 1st issue I have is I didnt purchase my house in XXXX. I purchased it in XX/XX/XXXX. Check court records. I took out a 2nd mortgage with XXXX XXXX in the amount of $ XXXX which I have already satisfied the loan & paid back in full. My 2nd issue is my mortgage payment/escrow/insurance account. My account need to be looked at because all of the account numbers are incorrect. They take out of my monthly payment for taxes & issurance, but I pay my own insurance out of my pocket & they are aware that I pay it. I have sent them copies of the paid invoice & all I ever get in return from Newrez XXXX is letters stating they looking into my complaint & they need more time to review & look into the matter. This has been going on for over a year. My 3rd issue is reps.giving out incorrect information. I wanted to pay my account shortage to keep my mortgage payment from increasing.They told me I couldnt do that. Then they sent me a check for account overage & increased my mortgage. I call for my entire mortgage account to be looked at, reviewed & then correct all numbers that need to be corrected.Thanks in advance for your help with these issues. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23224
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In response to a prior complaint, Shellpoint, New Rez d/b/a Shellpoint or some combination has responded that they are servicing my loan on behalf of themselves and that they are the owner of my loan when in all other responses to prior complaints, Shellpoint has held that XXXX XXXX is the owner of my loan. I would like to submit a complaint for fraud and I would respectfully request the CFPB do what it is meant to do and protect consumers. I have been trying to establish the true owner for the last FIFTEEN YEARS so that I may negotiate with the proper party and there is obvious concealment, fraud and illegal activity going on with this and many other homeowner loans as a result of XXXX XXXX XXXXXXXX instructing us the miss payments in order to qualify of r modifications. This seems like a conspiracy and all agencies and courts seem to be aiding and abetting criminal activity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Since XX/XX/XXXX, I have been making Principal Only payments in addition to the regular monthly payments on my mortgage loan. On several occasions, I've contacted Shellpoint to apply the Principal Only payments as I have requested. However, ever monthly, they continuously take part of my Principal Only payment, apply it the regular monthly payment, use a portion of that money as interest. Then a few weeks when I make the regular payment when it due, they correct the applied payment to the Principal Only Payment. This practice has been ongoing and frustrating considering I've made several calls asking Shellpoint to stop this practice. Please see the attached payment history from XX/XX/XXXX through XX/XX/XXXX. My payments are due on the first of the month. I have my bank account set on autopay to have the regular payments generated a few days prior to the payment being owed. I also have an autopay for the Principal Only payments that is generated a fews day apart from the regular payment. On XX/XX/XXXX, I contacted Shellpoint customer service about the most recent Principal Only payment that again was applied incorrectly as requested. I was told that the correction would be made and the system would be updated within a few days.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had storm damage to my home and was issued a check to my contractor immediately by my carrieXXXX, XXXX XXXX. I sent endorsed check, along with the contractor 's report and signed proposal between myself and the contractor, along with an {$11.00} prepaid, stamped, addressed envelope to send back to me. My mortgage company received this package on XXXX The events that have unfolded have been a total nightmare with Shellpoint Mortgage. They will not endorse the check and return to me as they state my account is delinquent. It is not. I am in an active XXXX XXXX bankruptcy. I have talked to over 7 people, including a supervisor in the XXXX XXXX Department who has told me a different story - that I was late in 2020 and because of COVID restrictions, they can not release the check to me. His name was XXXX XXXX. I didn't even have my mortgage with Shellpoint in XXXX. Every single person has told me different information. I was also told my XXXX XXXX that his department didn't deal with this, to call customer service but that I needed to pay for an appraisal! I explained to XXXX XXXX that I should not be penalized for being in a XXXX XXXX bankruptcy and that I was not comfortable signing a new proposal with the contractor as I am going to be the one who gets sued when they do not receive their money timely. Given what has transpired to date, how can I believe anything they are telling me? Further, they received my package on XXXX and it is now XXXX and was told none of this when I first called on XXXX to make sure they received everything. This is the most incredibly inept, deceptive mortgage company I have ever been involved with. I am attaching a PDF document outlining dates as well as names as the events have unfolded.
Company Response: Company believes the complaint is the result of a misunderstanding
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, my mortgage company " NEWREZ '' attempted to take out my payment of which I had made on XX/XX/XXXX. However, I noticed " NEWREZ '' has not taken the money that I owed them for my regular mortgage payment. I waited to see if they would take out the funds and on XX/XX/XXXX, I submitted a new payment which went through XX/XX/XXXX. XXXX roughly XXXX, I received a letter in the mail stating that my first payment was returned due to insufficient funds. I attempted more than 5 types to submit proof that I did have the necessary funds on the XXXX of XXXX in the form of bank statements. My mortgage company is completely refusing to acknowledge this documentation and acknowledge it as proof. Furthermore, I was told the insufficient funds charge was first the first failed attempt on XX/XX/XXXX however, I did not get the fee until XX/XX/XXXX. My bank has also confirmed twice that I did have to necessary funds XX/XX/XXXX and at least 3 days after and there is no record on my banks end of " NEWREZ '' attempting to take out the payment. On roughly XXXX XXXX, I was told by two different " NEWREZ '' employees over the phone that all I needed to do to get the fee taken off was to submit proof through " NEWREZ SECURE MESSAGING SYSTEM ''. I do have a video of myself trying to submit proof via " NEWREZ SECURE MESSAGING SYSTEM ''. However, the site will not accept any of my file methods that the " NEWREZ '' website says they accept. I was informed on XX/XX/XXXX by a " NEWREZ '' employee on the phone that, " NEWREZ '' has determined that after investigating, I am found liable for the insufficient fee. This is after submitting my proof that I did have sufficient funds. I spoke with a certified mortgage counselor who advised that this fee is part of a growing number of mortgages imposing " junk fees '' and a new business model. I have included the proof that I had sufficient funds when " NEWREZ '' claims they attempted to take their payment from my bank account. As well as proof of the fee being applied on XX/XX/XXXX instead of XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: A forbearance was approved, but due to legal backlog I have not been able to rectify the situation that occurred XX/XX/2022. So now I am requesting for Forbearance assistance during ongoing legal matters. This is a VA Home Loan. Primary Residence XXXX Kids XXXX dad, XXXX due to XXXX XXXX to my XXXX. ( Evidence Available ) this was my Recent email to my POC. Im hoping this time he returns my calls.or emails. Dear XXXX XXXX, I hope this email finds you well. I am writing to discuss a matter regarding my mortgage account with Shell Point Mortgage Company. I understand that you are the designated contact person in the Forbearance Department, and I would appreciate your assistance in exploring potential options for temporary payment arrangements while I navigate some legal issues affecting my business. First and foremost, I would like to express my gratitude for the support and understanding your company has shown during this challenging time. As you may be aware, my family is currently facing legal proceedings that require my undivided attention and financial resources. While I work diligently to address these matters, I am concerned about the impact they may have on my ability to make regular mortgage payments. With this in mind, I kindly request your guidance and consideration in exploring the possibility of a forbearance agreement. A temporary forbearance arrangement would provide me with some relief by allowing a suspension or reduction of mortgage payments for a specific period. This would alleviate the immediate financial strain on my business, ensuring that I can meet my other financial obligations and continue working towards resolving the legal issues promptly. I assure you that I am committed to fulfilling my mortgage obligations, and I aim to resume regular payments as soon as the circumstances permit. However, the current legal proceedings have created an unforeseen disruption to my daily operations, necessitating temporary assistance to maintain financial stability. I kindly ask that you review my case and assess the feasibility of a forbearance arrangement based on the specific circumstances I have outlined. I am open to discussing any terms or conditions that may be required for such an agreement, including a revised payment schedule or other mutually beneficial solutions. I understand the importance of maintaining open communication and transparency during this process. Therefore, I would greatly appreciate it if you could provide me with any necessary documentation or forms to formally request a forbearance agreement. Additionally, I would be grateful for any guidance or additional information you can provide to assist me in completing the required steps promptly. Thank you for your attention to this matter. I sincerely believe that a forbearance agreement would enable me to fulfill my obligations while navigating these legal challenges. I eagerly await your response and look forward to working together towards a mutually agreeable solution. Please feel free to contact me at your earliest convenience via email at XXXX or by phone at XXXX to discuss any further details or to request any additional information. Thank you for your time and consideration. Yours sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32763
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint about loan with Shellpoint : A Division of Newrez Note : All times in Central Time Zone I received a call from this phone number on XX/XX/2023 at XXXX : XXXX XXXX XXXX XXXX The caller said to call at XXXX XXXX XXXX XXXX, which I promptly did. The system did not allow me to get through despite entering the correct phone number ( which was the prompt ). I tried back again today, XX/XX/2023 at XXXX. Again it asked for phone number to verify me, which it failed. I then tried loan number, that too failed. This servicing company is not available to get through to return phone calls. After multiple prompts I finally got through ( again, I feel as if Shellpoint is intentionally making it difficult for borrowers to get through to them ). Upon getting through, I was asked why I was calling. I informed them that I was returning their phone call. The representative did not know why they had called me and speculated that it was a welcome call. I requested a response as to why they had called me and they said they could not tell me as they didn't know. I would like a response as to why I am getting harassed with phone calls and being told I have to call back and then wasting my time without anyone on the other side being able to explain why I was called in the first place.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78750
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was sick in XX/XX/2023. I had XXXX XXXX & requested for Forbearance from XXXX XXXX via Shellpoint Mortgage Servicing LLC, Loan Servicer, but unfortunately, Shellpoint Mortgage Servicing LLC didn't forward my request to Fannie Mae, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that Shellpoint Mortgage Servicing LLC is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that Shellpoint Mortgage Servicing LLC is behaving this with me because I am a Minority, Person of XXXX, XXXX XXXX XXXX XXXX. I want CFPB to take action against Shellpoint Mortgage Servicing LLC for harassing People of XXXX & Minorities & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A