Shellpoint Partners, LLC
Consumer Complaints
There are over 2994 complaints on file for Shellpoint Partners, LLC. Dated between 2019-12-13 and 2012-06-12.
Complaints Page 69
2017-05-13
Greenwood, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Hi, my home was unlawfully sold on XXXX XXXX , XXXX by Shellpoint Mortgage Servicing. On XXXX XXXX XXXX I filed for a Chapter XXXX Bankruptcy. I also gave notice to the Trustee of this filing. But they still proceeded with the sale. Even still after the sale they have not returned the property back to me. Therefore, Shellpoint Mortgage Servicings foreclosure occurred in direct violation of Title 11 Section 352 of the Bankruptcy Code as the statutory automatic stay was in place at the time of Shellpoint Mortgage Servicings wrongful, oppressive and illegal foreclosure sale took place.
VIOLATION OF SECTION 362 ( a ) OF THE FEDERAL BANKRUPTCY CODE Section 362 of the Bankruptcy code requires all collection efforts to cease immediately upon the filing of a voluntary or involuntary bankruptcy petition. Section 362 ( a ) of the Bankruptcy Code provides that the filing of a bankruptcy petition operates as a stay against the following activities : ( 1 ) the commencement or continuation, including the issuance or employment of process, of a judicial, administrative, or other action or proceeding against the debtor that was or could have been commenced before the commencement of the case under this title, or to recover a claim against the debtor that arose before the commencement of the case under this title ; ( 2 ) the enforcement, against the debtor or against property of the estate, of a judgment obtained before the commencement of the case under this title ; ( 3 ) any act to obtain possession of property of the estate or of property from the estate or to exercise control over property of the estate ; ( 4 ) any act to create, perfect, or enforce any lien against property of the estate ; ( 5 ) any act to create, perfect, or enforce against property of the debtor any lien to the extent that such lien secures a claim that arose before the commencement of the case under this title ; ( 6 ) any act to collect, assess, or recover a claim against the debtor that arose before the commencement of the case under this title ; ( 7 ) the setoff of any debt owing to the debtor that arose before the commencement of the case under this title against any claim against the debtor ; and ( 8 ) the commencement or continuation of a proceeding before the United States.
It is worth noting that the automatic stay is truly " automatic, '' in that it takes effect Instantly upon the filing of a bankruptcy petition and is effective agains t most entities, including the debtor, and regardless of whether the entity is aware of the filing Ive been working with my current servicer Shellpoint Mortgage Servicing for some time now and in the end after all that time applying, s ending documents trying to get a loan modification Shellpoint sold my property. XXXX XXXX XXXX our original bank offered us a trial payment we accepted it and made payments on time for three m onths for around {$1300.00}, per our agreement. Later we received a letter saying that we have been reassigned to a new services ( XXXX ) we sent a modification package to them and whenever we call them it is always in review and there is never any new information. Then they cancel the review process and require us to send a new package for yet another review. Then we finally get offered trial payments of around {$1600.00} but after the payments were done they transferred us to yet another servicer ( Shellpoint Mortgage Servicing ) How is this possible that it keeps going up an d up after each servicer selling to another servicer? It seems like they keep doing this and have the payment go up each time they sell to another servicer to the point where we give up and leave our home. We will never leave this is our home and we want to stay and pay the monthly mortgage but cant when each servicer is asking for more and more. Also each servicer always asks for a trial payment for 3 months. We pay the trial period payments for the 3 months and right after that they sell to another servicer. They ask for trial payments, make the money, give us nothing, and sell to another servicer for them to make money off of us by asking for trial payments and then giving us nothing Shellpoint Mortgage Servicing t hat I will not be qualified for a loan modification and that they will not review my loan mod because they do not deem to see me fit into any loan modification category. After all that time and effort put into applying months passed and now they say oh hey by the way we dont think you will qualify so we will just sell your home anyways. The sale occurred on XXXX XXXX XXXX and we are now in a very bad situation were Shellpoint Mortgage Servicing fr audulently sold our home. This is my and my familys primary and only home.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-12
Finksburg, MD
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-11
Tacoma, WA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: The short sale was submitted over 139 days ago and there is ju st one delay after another. First it took about six months for Shellpoint to " review '' the file which by the time they issued an update it was XXXX XXXX which they countered the buyer at {$240000.00}. This was after the fact the said the refuse to allow the VA buyer closing costs so we had to remove all but the escrow fee. On XXXX XXXX we submitted a value dispute in response to the counter, Shellpoint adv ised it would take UP TO 30 days to have a response. I called TWICE a week for updates. On XXXX XXXX after the 30 days had passed I submitted a CFPB complaint, which was closed because the company finally responded on XXXX XXXX stating the value dispute concluded with no change to the price expectations. the next day on XXXX XXXX the buyer increased the offer. The negotiator XXXX XXXX said it would only take a few days for approval. However, on XXXX XXXX he said that despite being told that they would allow up to 12 months in hoa dues that because it is now a lien they wont allow anything. I was also told it will take another 30 days for the investor to approval the buyers request for the escrow fee to be paid, despite the fact they are financing with a va loan and this is mandatory. NOW they are delaying the file even more by ordering another appraisal despite the fact they h ave one on file from less than six months. This file has been dragged through the dirt and completely mishandled.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-11
San Antonio, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-11
Cedar Rapids, IA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I had to relocate to Iowa for employment last year. I tried to rent this condo out since I was underwater on my mortgage but unfortunately shortly after I left there was a huge roof leak that caused major damage. The insurance covered a portion of the repairs but the rest were up to me and I do n't have the money. The stairwell is damaged and so is the top floor of the home making it unrentable. I hired an Agent to help me short sale the property and we submitted all of my paperwork. Shellpoint had the locks changed adn left the wrong keys in the contractors box, locking my Agent out of the home for full month making it very difficult to get an offer. Once we finally gained access we got an offer within a few days and submitted it to Shellpoint. They state they will not postpone my foreclosure date because they have not received a value they ordered.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-10
Atlanta, GA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Hello, I filed a complaint with Shell point servici ng. The home has been foreclosed on and we are in discussing for cash for keys. I have been going back and forth with the agent or realtor assigned to the case. I need a response so that I can move from the home and receive the cash for keys.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2017-05-10
FL
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-10
Allentown, PA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I have been trying to get a loan modification for my property since XXXX of last year every time I submit the documentation they require I 'm always told it is missing something I have submitted bank statements resubmitted letters resubmitted application forms on a timely basis I resubmitted bank statements that were missing page number XXXX from my XXXX XXXX and XXXX XXXX bank statements only to be told they still have n't received them. This is getting to be a regular habit with them my XXXX XXXX case manager has helped me through this process and has all the documentation that she has submitted on my behalf with my permission the representative of the bank I spoke with stay that she 's still missing complete I 'm difficult to believe because they were submitted in a timely basis I am running into obstacles on a consistent basis I need help if I become homeless I 'll be in the street this is serious I have nowhere to go and there are no homeless shelters ava ilable I 've checked thank you for your time.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-09
Colma, CA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-09
Tarzana, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I have summited I complete RMA Packet to Shellpoint and have asked to postponed my sell date. they there reviewing my document as of XXXX / XXXX / 17 and they have not postponed my sale date they are double tracking.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-09
Anaheim, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: i have send a loan modification package to shellpoint on XXXX 2016 . all requested documents were send to the bank on time i got a response from the lend er 2 weeks ago regarding my loan modification status shellpoint had declined my loan modification because they said i have equity i have ordered an appraisal report from a lisenced appraiser value came out at XXXX i also odered a pay off statement from the bank and i owe {$410000.00} i have no equity please help
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-06
San Antonio, TX
Trouble during payment process
Mortgage: FHA mortgage
Complaint: My name is XXXX XXXX, owner of the property at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. XXXX XXXX I got damage of my property by Hail. I claimed my insurance with an agent XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, claim service by XXXX and main insurance company name is XXXX XXXX XXXX. I was paid by my insurance company and I fixed my property accordingly. After completion of the repairing job, my mortgage service company name Shellpoint Mortgage Services called me to send their inspector to inspect the property and they sent, inspector saw the property and left with full satisfaction. After a month about Shellpoint added an amount of {$48.00} with my monthly mortgage payment as an inspection fee and I was told to pay this amount every month over my loan period of rest 29 years.
My loan is under FHA.
I asked Shellpoint, what is the total amount of inspection fee to be paid. They said, they do n't know and despite my repeated correspondence Shellpoint could not make clear about total inspection fee.
Then I said, unless legal solution I will not pay this inspection fee with uncertainty. On the other side my insurance company did n't tell me anything about and I have not been asked anything by my insurance company.
I eagerly request to have a right answer about this inspection fee, because they have kept me in complete dark. Thanks
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-05
FL
Credit monitoring or identity theft protection services
Mortgage: FHA mortgage
Complaint: After purchasing the morgage, I filed for divorce in XXXX . In XXXX of XXXX , the finalized court papers stated that the husband was to be reliable for the property and that the wifes name was to be removed in XXXX . The husband then turned in the court papers to XXXX XXXX XXXX w here the account originated from and the wife signed a quick claim deed. Every since then, i have had all non payments on my credit report since causing myself to not get approved for anything. Its been 8 years! I called a couple months ago and was told that i would need to take it up with the court and hire an attorney to get it off my credit. All documents were turned in and verified on the phone that they received them.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-05
San Jose, CA
Struggling to pay mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-05
NV
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: The dates are from XXXX XXXX to current. There are thousands dollars involved here and even more thousands of hours involved. The people involved as the paper handlers, i.e., XXXX XXXX XXXX etc., has changed four ti mes. It all started with XXXX , then switched to XXXX XXXX XXXX , then to XXXX , then to and currently with Shellpoint Mortgage Services. I have had to go through three mediations, two of which failed, and have made hundreds of copies of documents and filled even more forms, over and over again. Shellpoint is trying to hold me responsible for thousands and thousands of dollars in charges and fees from these pas t seven y ears of trying to deal with this mess. If this had been handled properly and in a timely manner, none of these charges would exist and I would not be typing this complaint right now. XXXX XXXX XXXX XXXX XXXX is involved somehow and no one person owns my loan, it is owned by a computer system. I have spent countless hours on the phone, writing letters, typing emails and I have also gotten Senator XXXX XXXX XXXX office of XXXX Nevada involved. XXXX , my contact there, suggested I contact your agency. So, here I am, contacting your agency. There is no way I could possibly send you the documents regarding this " modification '' as there are hundreds and hundreds of them and I would not even know where to begin or what to send you first. I will need assistance fro m one of your representatives in this matter. I will need someone from your office to tell me what you want first.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-05
Wallington, NJ
Incorrect information on your report
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-05
Eldorado, WI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XXXX XXXX , I refinanced this mortgage to a local credit union. Previously with Shellpoint Mortgage Servicing. There servicing had been very poor after taking over for XXXX XXXX XXXX Mortgage. They were suppose to pay the property taxes in XXXX XXXX , they did not, so the new lender paid them at the closing of the new mortgage. I have verified with the city and who actually paid them. I also have a copy of the check that paid them from the credit union. The amount I 'm owed is {$5000.00}, this is the amount that should have paid the property taxes. Every time I called I received a different story from Shellpoint, first they paid electronically, then sent check, and recently that they had a third party vendor pay. I have called every week or XXXX since XXXX with no success. It does not seem like a simple mistake, it seems that they know they owe the money, but have a plan to defraud! The phone number I have been calling is XXXX and they are in XXXX , TX. I also asked for proof of payment which they refused because there is n't any. Any help to recover my escrow balance would be greatly appreciated. Thanks
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-05
Detroit, MI
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: To whom it may concern : I my mortgage loan is with XXXX XXXX XXXX and is being handled by Shellpoint Mortgage Servicing. I entered into a modification that began XXXX / XXXX / XXXX . Since the beginning of my modification, amounts on my statement have been incorrect. I have tried over and over again to get the amount corrected. Now, six months later, Shellpoint has made the correction, however, they had hired an attorney to submit my home for an auction sale XXXX / XXXX / XXXX . I am told that in order to remove the foreclosure status and auction sale date, I must pay foreclosure fees and cost ( {$2100.00} ) in addition to the months payments owing from XXXX / XXXX / XXXX . I am prepared to satisfy the monthly payments, however, I feel it is unfair and a scam to now after correcting the error caused by Shellpoint, I should have to pay those fees in order to save my home. I am not in a position to pay for the fees resulting fro m Shellpoint 's error. Shellpoint refuses to send me a statement reflecting the correction. Please provide assistance in this matter. Th ank you! Companies involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX , SC XXXX
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-05-04
Wonder Lake, IL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I filed for a short sale with Shellpoint Mortgage Services and they have continuously put me in a run around. I have supplied a buyer and they are still postponing the approval by stating it has to get approved by a supervisor, investor, manager, etc. I have advise them repeatedly I may lose my buyer and they do n't care. They stated they have tried to call me which I can supply p hone records to show they have not. My lawyer has called continuously to see what we can do to move this along and they keep giving her the run around. I believe they are trying to push me in foreclosure even though have been approved for short sale and supplied a buyer. I have a XXXX XXXX mortgage and they have extended this well past the 60 day approval process. I 'm in need of assistance badly.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-04
Madison, WI
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-04
Oxford, GA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: Re M ortgage : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAX : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , 2017 REMOVE THE FRADULENT OVERCHARGE IN $ 65,000+ TO - DATE A ND GROWING HONOR YOUR IMPOSED INSURANCE POLICY HOUSE ROTTING, FILLED WITH MOLD!!!! Dear Shellpoint Mortg age : IN response to our letter which FAILED to provide ANY validation to the {$65000.00} of fraudulent fees, interest, interest on fraudulent interest, endless duplicate, quadruplicate fees.. etc.. All your letter shows is that my payments were suspended not applied.. and bank kept imposing new fees over and over on top of each other while stretching out the loan mod because of their negligence or in a clear intent to defraud. 1 ) This is my 10th + R equest to please remove the fraudulently and improperly added {$54000.00} to my mortgage balance of {$200000.00} approximately ( 25 % increase overnight in the balance!!! ) and all accrued interest on this fraudulent amount that should have never been added in the first place. I have made MANY requests by phone, in writing, and through an attorney in the last 12 months, yet none of your communication, including the Letter you sent on XXXX / XXXX / XXXX failed to include the calculations - accounting for the disputed {$54000.00} - thus you FAILED TO VALIDATE THE DEBT. I have been paying MORTGAGE PAYMENTS as instructed and on time, as directed by your bank and your predecessor XXXX XXXX XXXX you chose to suspend and NOT apply many of my payments. I am not a Mortgag e Expert and can not fix your computer errors that favor your accounting and in such an exorbitant amounts.. On top of {$54000.00} you charged me another year on this interest, a lot of processing and inspection fees as bank failed to even properly do modification and kept having many errors and kept charging me fees to correct banks own errors. I estimate the overcharge to be $ 65,000+ That was requested on MULTIPLE occasions. We are AG AIN requesting to provide ex act calculations of that {$54000.00} NO credit was posted on the - {$40000.00} or XXXX . Please provide the dates due and amount of each dollar portion for the {$54000.00}, including principal amount at the date this interest was assessed, interest amount, etc 2 ) We also requested full accounting to the many trial payments that were suspended instead of applied to balance and counted to reduce the interest calculations or counted toward principal on the dates they were made. There suspended payments were actual money I paid and should have been properly credited toward interest and principal. 3 ) Forced Placed Insurance our client was charged for very HIGH premiums yet when she asked for help repairing the winter storm, burst pipe and other damages she was brushed off by your representatives and was denied even a copy of the policy. The house is deteriorating rapidly and if not repaired will be condemned shortly. We request your urgent assistance in getting it repaired. The borrower has reached out to over XXXX contractors but have not received an acceptable estimate / bid for repairs nor does she have the funds to repair the items that should have been paid by the insurance you force-placed on her. If the tenants file a MULT I MILLION DOLLAR LAW SUIT for damages from living in a mold infested home becaus e Shellpoint denied to honor their own forced placed insurance, how does it benefit anyone? Banks own INSPECTIONS certified home at the time of forced placed insurance imposition to be in GREAT CONDITION and now its ROTTEN so the evidence is very clear that all the damages happened during the insurance placed by the bank and I reported them and tried many times to get your policy and the bank to fix the house. Not a single dollar was offered toward the repairs! Just a flat denial, not even a policy detail to show me WHY it was denied! Full secrecy a nd Fraud.
4 ) Please also confirm the jurisdic tion / venue for any legal proceedings in regards to this mortgage. This is to ensure that if legal action is necessary it is filed in the proper venue. Please take NOTICE that FAILURE TO PROVIDE THE REQUESTED information & financial compensation I have requested on multiple occasions, constit utes an INTENT TO DEFRAUD, & FAILURE TO VALIDATE THE DEBT and the mortgage maybe deemed INVALID. CRIMINAL LIABILITY may also be imposed on forcing occupants to live in a mold infested home as you failed to repair the damages and its getting worse. I personally have no expertise or resource to repair, but have been making all possible efforts to even get an estimate. I reques t : 1 ) An immediate refund of {$65000.00} in FRADULENT FEES, charges, interest on fradulent fees and charges 2 ) Full repair of the home to save it from complete loss. I estimated damaged now over {$300000.00} Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-03
Simi Valley, CA
Incorrect information on your report
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-03
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-03
Nyc, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2017-05-03
E Massapequa, NY
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation