Consumer complaint received 2022-04-03
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage previously had a XXXX XXXX mortgage that never existed on my credit report, had lates that were fixed and never existed, and now is reporting 120-day lates that never occurred as mortgages were in forbearance and then transferred to loan modifications. The recorded correspondences ( numerous ), paperwork doing loan modifications, and email correspondence show in every aspect that there were no late payments and loans are current. I have a XXXX wife from XXXX XXXX XXXX I have to support, and a XXXX child and these sloppy errors massively affect my business and ability to move forward as a result of COVID as credit scores make or destroy reputation and business alliances. This needs to be resolved immediately as this unprofessional sloppiness and the months it took for Shell Point to fix the previous XXXX XXXX mortgage balance that never existed, and previous false lates created lots of damage. These 2 false 120 day lates on 2 mortgages that were approved for loan modifications and more, cased considerable damage. Should these false late payments not be resolved immediately I will more aggressively make it my mission to do massive social media and online campaign to bring forth thousands of other Shellpoint mortgage customers for a class action lawsuit and complaints to banking commissioner. 




Exceptional payment history NEW RES-SHELLPOINT MTG {XXXX} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Mortgage Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount XXXX XXXX Payment Info Status Past due 180 days Status date XX/XX/XXXX Past due amount XXXX Original loan amount XXXX Monthly payment XXXX You could lower your monthly payment with a refi. See offers at Credible Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - 120 - - - - - - - - - - 120+ Days Late - Data Unavailable Additional info Responsibility Individual Terms 360 Months Company sold - Original creditor - Comments Paying under a partial or modified payment agreement Your statements- Contact XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
NEW RES-SHELLPOINT MTG XXXX Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Mortgage Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount XXXX XXXX  Payment Info Status Past due 30 days Status date XX/XX/XXXX Past due amount XXXX Original loan amount {$130000.00} Monthly payment XXXX You could lower your monthly payment with a refi. See offers at Credible Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX - - - - - - - - - - XXXX - - - - - - - - - - - On Time 30 Days Late - Data Unavailable Additional info Responsibility Individual Terms 504 Months Company sold - Original creditor - Comments Loan modified under a federal government plan ( available XXXX XXXX ) Your statements- Contact XXXX XXXX PL XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
XXXX XXXX XXXX {XXXX} Balance updated XX/XX/XXXX Exceptional payment history 11 closed accounts Find the right home coverage for you We'll help you compare policies from top companies to make sure you're not overpaying for insurance or under-protecting your home. Get a free quote to see what you could save.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief