Date Received: 2023-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: QWR and DVR and Complaint. According to computer generated respond, a hedge fund XXXX XXXXXXXX XXXX ( under XXXX XXXX XXXX and XXXX XXXX executives leadership ) who own some " servicing rights '', acted under glimpse of XXXX XXXX XXXX XXXX XXXX and insisted that effective XX/XX/XXXX, the servicing rights for the alleged " Loan '' were released from XXXX XXXX XXXX and transferred to XXXX XXXX processed payments, credits, charges, and advances while it was servicer for the Loan. Please identify WHO released servicing rights from XXXX to XXXX [ the name of the Company and its individual responsible representative ] and for WHOM XXXX collected and processed my payments between XXXX to XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
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: So I disputed late payments on my mortgage and despite investigating the mortgage companies response created the narrative they want to create did not fully address my claims and left my report as is. The emails and calls to myself and the single point of contact and all other staff including loss mitigation need to be pulled and reviewed. So what the companies email response is stating is that it is ok and they uphold their employee discriminating against me for having a difficult time with my mortgage loan. It was ok for her to chose not to respond to time sensitive questions and situations because I fell on hard times or have family issues. It was ok for their employee to delay paper work processing and filing in addition to providing me the information I needed which is discrimination but I am to blame for her also not notifying them when I initially advised her of my loan still reporting while I was in forbearance. I should have been on a forbearance for 18 months straight but this lady would not file my paper in time knowing that there would be a lapse reported. That is not legal practice that is discrimination and it was allowed for years to happen. I guess they don't care because it's not their credit being affected. If someone working for a mortgage company or any other company feels its ok to judge someone about their payment history or circumstances when they have not idea what that person is dealing with they should find a new field, more importantly for a company to allow employees to conduct themselves this way with no supervising or coaching says a lot to. That is discrimination and since you all want to make it seem as if I was referring to times when I was not in forbearance which I was not. Now please go pull all the emails between myself and the single point of contact over the past few years and see how responsive she was and how many times I begged her for information due to it being time sensitive. See the emails where I tried to update my legal name with her an she informed me she couldn't do that for years you all had the incorrect name and that was illegal only for me to have pull her teeth when I needed to do the loan modification in that was delayed so long because she was refusing to have my name updated in the system. Now had I been trying to beat the system I would have signed the loan with a name that doesn't apply to me and then tried to justify not paying but I pushed for the right and legal thing to be done and you all are still giving me a difficult time after allowing her to discriminate against me and have that negatively affect my credit. I would like the emails to be shared with CFPB so they can see first hand what I have been dealing with and the illegal actions of that person and how it was handled. It should even display when I asked for a supervisor and expressed how she was purposely impacting my credit negatively with her actions. So with it being illegal for you all to knowing falsely report and do things to discriminate now since I wasn't even going to mention those months that lady put me through XXXX. Now I'm requesting that be investigated and my report be completed cleared. And I would like to file a discrimination case now.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: GREEN TREE FACILITATED FICTITIOUS LOANS WITH TITLE THEFT TAMPERING AND THIS WAS DENIED WITH COMPANION COMPLAINTS FILED. DITECH FINANCIAL LLC/XXXX GREEN TREE SERVICES LLC WHOSE ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ARIZONA XXXX DID TRANSFER TITLE UNDER FICTITIOUS LOANS SCHEMES TO NEW RESIDENTIAL MORTGAGE LLC WHOSE ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX WITHOUT ANY PERMISSION, ANY AUTHORITY OR ANY KNOWLEDGE. I AM SOLE PROPERTY OWNER AND GREEN TREE AUTHORED, ENDORSED AND PREPARED FICTITIOUS PROPERTY LOANS WITH US BANKS FOR OVER THE AMOUNT OF {$300000.00} AND MOST LIKELY MORE FICTITIOUS LOANS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We received approval by IHAF due to XXXX to reinstate our mortgage and pay 6 months of payments. On XXXX/XXXX/2022, the agency paid {$12000.00} to XXXX XXXX XXXXXXXX XXXX failed to notify IHAF at closing that our mortgage had been sold to Shellpoint Mortgage Servicing on XX/XX//2022. IHAF paid additional mortgage payments in XXXX, XXXXXXXX XXXX XXXX of {$2000.00} each to XXXX. I have advised and documented the above with Shellpoints point of contact representatives. Instead of attempting to have XXXX transfer these funds to them, Shellpoint has continued to harass us and threaten foreclosure. Ive contacted IHAF repeatedly regarding this. Their attempts to resolve the issue have been fruitless. We are older adults and believe this company is preying on us in an attempt to receive duplicate mortgage payments. We have received threatening letters and phone calls. It is wearing us down. It is clear that Shellpoint and XXXX are mismanaging government funds that were meant to assist us. I would appreciate your help. Thanks
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: NewRez purchased my loan from a company that purchased my loan previous. The company before Newrez went bankrupt. I got a welcome letter stating that I owed New Rez money. I called and asked for my account information to get logged in and paid. I was told that they couldn't find an account with my information only a welcome letter. I was given a login eventually to pay but no account or loan number was linked to it. I paid this company and every month I called in requesting for any sort of documentation with my loan information or something that shows I owe them money. They responded every time with " we have all this and we will mail it to within the next XXXX days ''. this continued for over a year and half. I then hired an attorney to represent me and they are still unable to give me paperwork for the property. I have spent thousands of dollars and still no answers. They keep threatening to forclose the property and at the same time keep sending me COVID 19 repayment options.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint : billing and payment regarding property at XXXX XXXX XXXX loan number ending XXXX. On XXXX I received an answer to my complaint where it was noted by XXXX XXXX that an amount of {$3500.00} was due.I attempted to make payment for XXXX and XXXX regarding this loan however the website wont allow payment. Ive reached out to my XXXX for over two weeks before a response was made. In addition the portal to make payments, stated there is a payment stop on my account. XXXX, and XXXX payments were made to XXXX per our modification agreement ( see attachment ) I had no problems until Shellpoint took over in XXXX I am more than willing to proceed with the payment for XXXX and XXXX total XXXX and proceed with such going forward, however, Shellpoint sent over new modified documents to my residence assuming I would sign a new agreement but I am not obligated to sign new terms, because under the fair debt collectors practice act I want my agreement with XXXX servicing to stand. I have no interest in paying other fees and inflated monetary request. Shellpoint assumed a loan that was already with terms and that should be honored. I await a response regarding this matter preferable by email. Im respectfully asking for guidance to pay my monthly debt so I can move forward and you can too. Im only writing this complaint because it appears responding to customers is not a priority but you respond to complaints so here are. In addition, please validate that my modification was not completed by XXXX servicing, my documents states it was approved and payments were being accepted since XXXX. I am requesting proof that it wasnt completed with the private lien holder. Lastly, please see all proof of payment attachments, including response letter from XXXX XXXX acknowledging the modification with XXXX servicing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/2022 we decided to put our home on the market due to having issues with my job, so I took a job in another state and me and my family picked up and moved away. On XX/XX/XXXX we received an offer for asking price which was well over what we owed on our home, we owed approximately at the time {$430000.00} and we got an offer for {$460000.00} on the home a few weeks later we got the appraisal back on the home and the home came in around {$430000.00}, we panicked when we realized we would not be able to cover closing costs to sell the home at this point we were already one month behind on our loan I hopes we would close on time so we had already been in contact with the lender which is Shellpoint New Rez to arrange a payment plan to help avoid Missed payments on the loan. After realizing we could not close on time due to the home appraisal, coming in too low, we went back-and-forth with the lender for what seem to be weeks trying to figure out how to close on the house to avoid any more missed payments and we were told that doing an assumption would be our best route, after being told that a short sale could not be done this early in missed payments because it is not really conventional to do a short sale unless you are at least four months behind on your loan, so we chose to try to go for a assumption, we went through a process of trying to get an assumption approved for over a month and it seemed like no one ever knew how to help us when I called the lender and I continued to get transferred to new people in different departments, and no one could ever figure out what to do about my assumption so after realizing that we kept missing our deadline to close on the house and having to extend the deadline on closing at least three times at this point. I called the VA and asked them what to do because I was running out of time as we kept messing payments on the loan. The VA told me assumptions arent very common and it probably wont get approved unless we bring the loan payment current since we were behind on the loan payment three months. I called the lender once again and spoke to someone new once again because I could never talk to one person this lady told me that yes, the loan needed to be current in order for the assumption department to even consider doing an assumption on the loan but for the last four or five weeks, no one told me this, and I had just assumed that the assumption was getting approved since the loan was at a loss mitigation level since it was three months behind it wasnt even being considered for an assumption, but no one could tell me that because no one knew, and at the time I had a point of contact that never reached out to me or contacted me so I didnt have one resource to reach out to just a bunch of random people that would answer my phone call And tell me a bunch of XXXX so after realizing the assumption was not going through, and the VA told me a short sale would probably be the better route to take. I got the buyer to agree with a short sale after him already waiting three months to figure out if he was going to be able to buy our home, thankfully he agreed to the short sale so we presented the lender with a short sale package and sent them all the documentation that they needed, well weeks have gone by and we still are having issues contacting the point of contact on the loan which is named XXXX XXXX in the loss mitigation department. I have spent hours trying to get through to this company trying to figure out how to sell our home without reaching a foreclosure status I have called and called. I have emailed and emailed I have complained on the website trying to figure out how to avoid foreclosure, me and my wife are decent people. We have served our country for the last 15 years in the XXXX. All we were trying to do was move to a different state to take a job so that we could feed our children and afford to live. I am lost. I dont know what to do. The Lender does not care about us and it just seems like all they care about is the money we cant afford to pay our mortgage anymore because we had to move to a different state and pay for new housing. Weve had a buyer that has been interested and desperate to buy our home since XX/XX/XXXX and he has been loyal to us but the problem is unless the house appraises we are kind of screwed, and our last option is the short sale. We have already seen two reported missed payments hit my credit report. If I foreclose on this home, I will lose my security clearance and I will lose my job. I am trying desperately to work with this Lender, but it doesnt seem like they want to work with me. I have been desperately reaching out to them since XXXX trying to figure out the best avenue to repay my loan the short sale isnt far off from what I owe as the lender would receive roughly {$400000.00} of the loan after commissions are paid. Please help me please do what you can to help me figure out how to deal with us. This is the worst lender I have ever dealt with. Im begging you..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX ( closed complaint ) transferred a federal funded payment after your involvement to XXXX XXXX XXXX XXXX on or after XXXX XXXX XXXX. Less than two weeks after transfer, began receiving threatening letters re : Foreclosure from Shellpoint. After your intervention, XXXX sent the entire federal fund to Shellpoint. However, Shellpoint due to malfeasance, will not correct the XXXX since XXXX, XXXX. Repeatedly issued mortgage statements reflecting a past due debt on XXXX which does not exist. Two charges XX/XX/XXXX and XX/XX/XXXX in one week for Unnecessary Housing Inspections-No Notification to me. Shellpoint will not refund - Add second Complaint due to placing late charges on my account. The Federal agency and XXXX completed Housing inspections before issuing the Federal Payment less than one month ago. Shellpoint -- Three supervisors and One Middle manager promised correction to my mortgage statement by XX/XX/XXXX. No correction. Errors remain. My first complaint : do not want any flags on my credit report nor threatening letters when I do not owe any past due payments. If errors remain these actions Shellpoint will take. Have nothing to prove otherwise. My monthly payments are timely as of XX/XX/XXXX. Also address issuance of information to third parties. I have rescinded authorizations. Shellpoint should email their acceptance and receipt of rescinded authorization. Third complaint ( see attached ) is XXXX XXXX XXXX NY- failed to disclose a checklist of items needed to apply for XXXX XXXX loan notified after sending any required items of additional items not found in any checklist provided. Failure to notify me through communication via email or phone a need to contact my Servicer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In complaint XXXX, Shellpoint never denies that it received funds from the XXXX XXXX which it did not apply to my account. Shellpoint never states under which provision I did not qualify for a XXXX modification Shellpoint doubles down and does not respond to why they used XXXX XXXX when it should have used XXXX XXXX of the current year which would have reflected all of XXXX 's outstanding principle. Shellpoint reclassifies the outstanding interest. Shellpoint claims that interest is " generally '' reported a certain way. Shellpoint is supposed to report all the interest that was applied to my account in XXXX on the XXXX. First Shellpoint said they deferred it. When I responded that my XXXX was not impacted by how Shellpoint handles its taxes, now Shellpoint is claiming that they generally they subtracted deferred interest. It does not make sense that there would be {$2000.00} in deferred interest for the same time period.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Shellpoint Mortgage Servicing failed to mail me my XXXX for XXXX due by law by XX/XX/XXXX ; this is causing a serious delay in my tax return preparation. I call their customer service center multiple times, no one resolves, all say they will email it to me within XXXX hours- never happens. Then they say, the leadership will review it in the morning. Calling into the customer service center is a nightmare, because the loan is paid in full, the XXXX will not recognize my phone number or loan number- so you have to keep repeating the XXXX points of verification and the recording keeps saying they don't ' find loan information that meets the information inputted so you have to wait for the recording to say to hold to talk to a representative. The wait exceeded the number of minutes the recording says it will take to connect to a person, said XXXX minutes it was XXXX. Today, XX/XX/XXXX, the representative literally told me " Putting you on an " extended hold '' when I insisted an escalation to speak to a manager - so I knew he was putting me out into a black hole, and no one would answer - you don't TELL the customer you are going to inflict abuse. They tell you to go online but I am blocked because the loan was paid in full last year. This is a simple request, also when the XXXX answers, it says Mortgage Tax forms have all been mailed then to press XXXX if you want to make a payment or are calling about XXXX form ; so obviously they know this is an issue and customers are calling for the form.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A