Consumer complaint received 2023-06-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Complaint RE Shellpoint Mortgage Servicing - It appears we have been accelerated into Foreclosure by Shellpoint Mortgage Servicing ( and the note holder they represent ), WHILE we were/are (? ) in the midst of a Mortgage Assistance Application with Shellpoint, and while we are awaiting assistance from California Mortgage Relief on an application we opened on XX/XX/XXXX, and which has been under final review since XX/XX/XXXX. 

As to our Shellpoint complaint specifically- shortly after Shellpoint received our MA Application, they cancelled the application we had opened, sent us a letter to resubmit our application anew, filed Notice of Default and Intent to Sell ( dated XX/XX/XXXX, recorded XX/XX/XXXX, copy mailed to us XX/XX/XXXX, mailed copy received by us XX/XX/XXXX ). 
Our Complaint is that by cancelling our earlier application, and requesting a new application from us with a XX/XX/XXXX deadline, Shellpoint mislead us from their intention to put us into Foreclosure ( with its attendant immense stresses and sapping of resources ). We believe that in their cancelling our MAA, and then asking for another MAA they were working to run the clock out on us, so they could more likely meet their goal of a foreclosure sale. The process of what has recently transpired with Shellpoint, their communications to us/with us from the later half of XX/XX/XXXX, and the fillings they initiated in the first days of XX/XX/XXXX suggest a conscious plan to keep us busy with paperwork applying for help, while they were filing paperwork to foreclose. Realize, we just found out about the foreclosure ( Notice of Default/Intent ) on XX/XX/XXXX ( yesterday as I write this on XX/XX/XXXX ). Realize also, that after a phone conversation with XXXX XXXX ( of Shellpoint LM ) on XX/XX/XXXX, we decided to list and sell our home to satisfy our obligation to Shellpoint, as we do not trust Shellpoint to have our concerns and hardships in mind in the Application Process. To our concerns expressed herein, we also add that in previous encounters with Shellpoint historically ( in XXXX, and again in XXXX ) Shellpoint has presented very similar patterns of behavior, i.e. apparently offering assistance, then denying the assistance, and then heading towards foreclosure. We are not sure this meets the legal definition of predatory behavior, but it certainly feels like they are playing us like prey. Please add to the underlying information that we also have an OPEN Under Review application with California Mortgage Relief which would bring us current through XX/XX/XXXX, and Shellpoint said they had no knowledge of that on XX/XX/XXXX. Shellpoint is ( or at least was a qualified, participating lender in the California Mortgage Relief Program when we filed our application with CMRP on XX/XX/XXXX ) Selected dated details underlying our complaint- XX/XX/XXXX we both FAXed and emailed our Mortgage Assistance Application to XXXX XXXX of Shellpoint Loss Mitigation. Apparently the email got through, but the Fax did not. 
XX/XX/XXXX as we had not heard back from Shellpoint we re-sent application, once more by Fax. 
XX/XX/XXXX we got an email back from XXXX XXXX with very detailed and stringent requirements for us to re-submit our application as a new application. 
XX/XX/XXXX ( dated XX/XX/XXXX ) we received a letter from Shellpoint stating explicitly that we had/have until XX/XX/XXXX to submit the required documents. 
XX/XX/XXXX ( dated ) Notice of Default and Intent to Sell XX/XX/XXXX ( recorded ) Notice of Default and Intent to Sell XX/XX/XXXX ( mailing date of copy to us ) Notice of Default and Intent to Sell XX/XX/XXXX ( mailed copy received by us ) Notice of Default and Intent to Sell

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