Consumer complaint received 2021-05-03
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
acct. XXXX XXXX XX/XX/XXXX Hello I am requesting an audit of my account due to the following : *How do I still owe as much as the original cost of the house when the 30yr ends in XXXX? I have been with 3 mortgage companies, you are the 4th, so mistakes have been made, I will do whatever necessary to end your loan shark, we will break your legs if you don't pay, tactics. 

* What is the XXXX you claim is owed. I had financial forebearance for 3-4 yrs & that is not due upfront. 

*Why are you holding XXXX as unapplied? 

*Please provide documentation verifying that I am 322 days delinquent. I feel documentation of my pay history is necessary as well to compare to my bank statements. 

* The house is not abandoned as you claim, my son is a single parent in Washington st. I travel back & forth from Texas according to his work schedule when he works night shift. 

* I have contacted FHA & HUD, & they have directed me to contact Consumer Financial Protection Bureau which I am sending a copy of this request. 

*I only have 4 years left on this mortgage & am doing my best to fulfill my financial obligations. 


I know a request is required by mail, I am sending this tomorrow by mail as well as copy to Consumer Financial Protection Bureau. 



Thank you for your assistance with this. 

Sincerely, XXXX XXXX XXXX XXXX Thank you for contacting the FHA Resource Center, RE : Audit my accountfha mortgage DoNotReplyFHA XXXX Thu, XX/XX/XXXX, XXXX XXXX to me Dear XXXX XXXX , Thank you for contacting the FHA Resource Center . Based on the content of your email, it appears that your request falls under the jurisdiction of another agency or department. Therefore, we are providing general information that may assist you. Please refer to the contact information and/or website below for additional assistance. Your email request was regarding Audit my account. 

The Real Estate Settlement Procedures Act ( RESPA ) is administered and enforced by the CFPB. If you are a consumer with a question or complaint related to your mortgage or mortgage servicer, please contact the CFPBs Consumer Response team at XXXX ( XXXX TTY/TDD ) XXXX EST. 

This information may be viewed in its entirety below : How can I obtain mortgage account information from my lender? 
Your servicing lender should be able to provide you with your mortgage account information. 

Section 6 of the Real Estate Settlement and Procedures Act ( RESPA ) provides that borrowers may make a 'qualified written request ' to the lender concerning the servicing of their loan account. 

The request should not be included with the monthly mortgage payment. 

The lender must acknowledge the request within 20 business days and must resolve any issues and/or complaints within 60 business days by correcting the account or giving a statement of the reasons for its position. 

A sample letter format is available at https : //www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-request-information-about-my-mortgage-en-1855/ If you do not get a satisfactory answer from the lender, you may wish to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). You should continue to make your mortgage payment during this time. 

The Real Estate Settlement Procedures Act ( RESPA ) is administered and enforced by the CFPB. If you are a consumer with a question or complaint related to your mortgage or mortgage servicer, please contact the CFPBs Consumer Response team at XXXX ( XXXX TTY/TDD ) XXXX EST. 

For more information go to the Consumer Financial Protection Bureau website at https : //www.consumerfinance.gov/ DISCLAIMER : All policy information contained in this knowledge base article is based upon the referenced HUD policy document XXXX Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document. 

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