Consumer complaint received 2023-10-05
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Shellpoint is at fault for many issues and I am about to retain a lawyer. 
1. They keep harassing widow XXXX XXXX XXXX eveyr day even thought she has begged them to stop calling her illegally. 
As sheellpoint is a debt collector, they have now violated US laws for debt collectors. 
" AST REVIEWED : XXXX XXXX, XXXX How do I get a debt collector to stop calling or contacting me? 
You have the right to tell a debt collector to stop contacting you. If you ask a debt collector to stop all contact regardless of the communications channel the collector must stop. Keep in mind, though, that you may still owe the debt. 

If you don't want a debt collector to contact you again, write a letter to the debt collector saying so. We have sample letters that you can use to respond to a debt collector who is trying to collect a debt. 

The CFPBs Debt Collection Rule requires debt collectors to provide certain information when they first communicate with you, or shortly after, which will often be contained in a letter called a validation notice. This notice includes information about the debt and the debt collector, as well as a tear off form with checkboxes you can fill out to dispute or request more information about the debt. If the debt collector provides a way for you to submit the letter electronically, you can do that instead of sending a letter by mail. 

Once a debt collector receives your letter requesting they stop contacting you, theyre not allowed to communicate with you again except to : Tell you there will be no further contact Advise you that they or the creditor may take other specific actions theyre legally allowed to take, such as filing a lawsuit against you '' " Shellpoint legal disclosure information image.png Shellpoint legal disclosure information Shellpoint Mortgage Servicing https : //www.shellpointmtg.com le... 
Newrez LLC dba Shellpoint Mortgage Servicing is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that... 
2 When asked who acutally is the mortgage note holder for my house, shellpoint has not sent any information to my home address. 
3. As a military family they told me a veteran and my mother, a XXXX widow, that they would help offer a deferment plan. That never happened. But again they have not shown me who owns the note. 
4. They still didnt apply 3-4 partial payments in spring XXXX before thye received HAF funding. 
5. When I pointed out that they have fake five star reviews on many social media accounts they hung on me. 
6. They refuse to send ALL documents my home address and isntead try to send them to my mother 's home address.

7. If Shellpoint makes a good offer and can show us who owns the mortgage note chain of custody AND also offers a realistic plan include one of more of the following options Is one of these options right for you? 
RefinanceReplace current mortgage with a new loan with new terms ForbearanceTemporarily reduce or suspend monthly payments ReinstatementPay the total missed amount all at once Repayment planPay past-due amounts over multiple months Payment deferralDelay past-due amounts to end of loan term Loan modificationChange the terms of your existing loan then we will wait before suing them for violating earn How the Fair Debt Collection Practices Act Protects You From Harassment by Debt Collectors Mortgage lenders and other debt collectors are well-known for harassing people with consistent, annoying phone calls and threatening messages. Most people don't know that there are laws in place to protect them from these phone calls. The Fair Debt Collection Practices Act ( hereinafter referred to as FDCPA '' ) limits the timing and recurrence of phone calls from creditors AND other violations.

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