Consumer complaint received 2020-03-20
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to shellpoint a debt collection mortgage company. They recieved it from XXXX. XXXX, illegally foreclose on us. They never owned 100 percent of our loan. They recieved it from XXXX. Under court order XXXX was supposed to make all accounts correct after cfpb ruling XX/XX/XXXX. Instead of following court orders XXXX continued the illegal and abusive debt collection practices. Notice my complaint from XX/XX/XXXX, calling my dad released my information to him forced him to make payment on my account, used illegal debt collection practices even stating they was coming to repo my home. I requested my title. Did it again to my grandmother in XX/XX/XXXX both times blew it off. Again after I filed a cfpb complaint. No settlement was offered. XXXX, gets our loan we get a foreclosure process in XX/XX/XXXX they refused also to fix the issues and follow court orders. We had to file bankruptcy in XX/XX/XXXX. XXXX, pulls our home from the bankruptcy court. Because if, the judge had opened a investigation they would have found our mortgage was unsecured. Due to how many times between XXXX and XXXX had sold our loan to different companies. XXXX, never sent me how to pay them. Well XXXX then files bankruptcy in XX/XX/XXXX. XXXX files a emergency hearing in XX/XX/XXXX.Using XXXX XXXX  XXXX XXXX as attorney/debt collector. We finally get information in how to pay them and a court order to pay them directly using a certain account number. We follow the order starting XX/XX/XXXX we was ordered to pay attorney fees, get our own insurance, and pay them directly. XXXX, never entered it into their system. XX/XX/XXXX we get a illegal eviction notice. I filed another cfpb complaint. XXXX, violated my automatic stay, refused to follow court orders numerous times, filed an ap hearing, violating truth in lending, false court documents, illegal foreclosure, personal injury, willful malicious injury and fraud. Lost my pay raise, my wife put on watch at work, had a wreck totaled my car on XXXX XXXX forced to borrow a car to get to and from work till this day, my son who is autistic wrote a suicide note and forced to move schools, almost divorced my wife, my daughter forced to change schools. We finally get an ap attorney. XXXX, refused to settle again. Cfpb, refused to do their job an protect consumers as well. XXXX files bankruptcy again right before my hearing in XXXX or XXXX. Sends my a request to change my account information. I call to find out how. XXXX, let me hear my account information and they took my XXXX XXXX payment which was for my XX/XX/XXXX payment put it towards forced placed insurance. Filed another cfpb complaint nothing done again. Since, this happened after they filed bankruptcy. They send me a 410 claim. I requested my title, and XXXX XXXX dollars. For fraud and willful malicious injury. Which trumps their bankruptcy. Ap hearing went on until XXXX of XXXX and in court I told judge XXXX XXXX in front of their attorney XXXX XXXX that I refuse to continue to pay them until they settle due to all the court order violations and the refusal to settle. Now my loan has been transferred to shellpoint and they are using a 3rd party vendor to contact people about their loans. I have called them since XXXX XXXX when I recieved my letter stating they were getting my loan. Told them my loan was illegal, fraud, willful malicious injury, had a 410 claim attached, and my title must be sent to me immediately. XXXX XXXX was supposed to settle with me before XX/XX/XXXX. She has not made a effort as of currently to fix this mess. I told shellpoint to call me back ever since XX/XX/XXXX they have refused. As you know once they sent it to a 3rd party for information as they did today. That violated my stay again since they accepted the illegal transfer and made the liable for my request in my 410 claim. In more than one occasion they have said a person will contact me within 48. Last week it was 5 days I called back let them know no one contacted me. They still haven't and now use a 3rd party to contact me requesting my mailing address and phone information. I told them contact my bankruptcy attorney XXXX XXXX and tell shellpoint to sent me my title by XX/XX/XXXX along with my 410 claim paid in full by then also. I am tired of the cfpb and these clowns getting away with breaking the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation