Consumer complaint received 2023-07-25
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Services still has hackers remoting into phone when I already proved I didn't commit mortgage fraud! They literally messed up so bad they had their control account ( XXXX XXXX  ) and another sub account under it ( XXXXXXXX XXXX ) transfer the deed in full last yr which I was willing to comply and not bring attention to the fact everyone from lawyers like XXXX who went behind my back and disposed of my case 3 weeks after paid retainer for suit against PHH for illegal foreclosure without telling me and still charged me for up to 8 months past it ( which can get him barred ), and every institution that stood by and did nothing as my life was destroyed and I complained and complained and y'all did nothing are now on the hook for whas been done to me! I was made homeless and evicted and then come to find out when in homeless shelter using a public computer, that the deed was transferred to me with date prior to the illegal foreclosure that sold my house to investers who proceeded to evict me and throw all my possessions away and on the street! 

Do you know what that means? 

That a house I fully owned 100 % was still foreclosed on by XXXX XXXX a month after deed transfer and sold out from under me to investers who evicted me and threw me out! Of my home! I owned! No mortgage, XXXX XXXX note owed, nothing! My home! And yet they did this to draw attention away from the fraud that was done on me by PHH thinking it will make up for the overwhelming facts I proved that I didn't commit mortgage fraud and the blaring false claims on my statements that it shows! A roadmap I am credible enough to file for as they prey on homeowners who have liar loans and committed mortgage fraud everyone turns a blind eye to anyone trying to come forward to report fraud being done to them since homeowner committed fraud first! Not me! I know exactly how they are getting away with it have a right to sue every institution that took part from the constable that came in my house and threw me out to the cfpb who stood by all this time as I begged for help against these hackers doing constant damage to me from using technology threw phone to crack my teeth to illegally stealing my identity, to having this group out here break into my home ( yes, my home ) every time I left home to actually steal my taxes and amend them! In my favor, though? Yes, they went back and wiped out the homebuyers tax credit I owed and was paying back in {$500.00} increments since it was part of my mortgage debt. Transferred the deed in full to me and threw everyone under the bus in the process. 

So, despite being homeless, I was grateful to have been able to prove I was innocent and move on and not draw any attention to those that acted against the law or against their code of ethics in action taken or not taken in regards to my account and home since it was all done on pretense they thought I committed mortgage fraud. 

BUT THEN THEY THINK THEY CAN STILL HACK INTO PHONE ILLEGALLY AND COMPLETLY AGAINST THE LAW AS I AM JUST LIKE ANY INNOCENT HOMEOWNER THAT NEVER ONCE EVER LIED ON APPLICATION FOR MORTGAGE OR ANY REFINANCE TO IT SO NOW I EILL EXPOSE IT ALL AND BRING THEM S DOWN ... .... 

or for the last time. I am being reasonable. What's been done to me in full should never come to light it's so bad. And can settle quietly with a legal aid lawyer not one out for blood with one condition. This hacker here I want criminal charges on fully! I done with them controlling my internet trying to pick what lawyer I go to a d thinking they can control anything at all in my phone, WHEN THEY HAVE NO RIGHT TO BE IN IT! Or, just get out now and let me be. I need access back to my emails and they are preventing me from resetting them. They are the bigger problem and will say it one last time. 

I DIDN'T COMMIT MORTGAGE FRAUD! I PROVED IT! PHH did right thing and can compromise. But not if I can ch this or any of your hackers in my phone one more time denying me any loggin attempts, account access, etc. 

I need to get back to my family. Who are XXXX XXXX, and XXXX XXXX XXXXXXXX. This needs be off my plate before talking to them since I got ta now do damage control over all things I said to those around me since after all, I was right! 

Y'all are backing out homeowners that committed mortgage fraud off the books with a process I completely figured out and is complete with targeting system out here that targets homeowners who fight back thinking they can expose something they have no right to since their fraud is the intial problem. If it was preying on any homeowner I'd report it but it's not. With me this was all just a big mixup and I waa not at fault and am owed my day of justice for what's been done to me. The numbers are skewed as is and need be fixed so like it or not, ( and I went through whole degrating extremely horrible experience ), something needs be done with liar loans. Answer is not to leave as is. And it's not my job to find better solution. This system is well planned, complex and doesn't need some hacker screwing it up by being in my phone causing me to do it. I'm still homeless btw! Despite it acknowledged at tax assessor 's office that I am the certified homeowner now deliquescent on last yrs taxes, utilities still in my name, acknowledged on XXXX ( look up XXXX XXXX XXXX ) to see yourself, I can't get anywhere close without cops showing up running me off. I attempted to request a standby officer to come out as I break window so no misunderstanding from neighbors calling to report break in would be done and I got the luxury of being handcuffed and taken to hospital for evaluation for being crazy. They didn't hold me there because I wasn't needing to be committed. The concept was so foreign to this officer that someone could actually get home back when mortgage company messes up transfers deed in full and still get foreclosed and evicted that he didn't know what to do. He did his job and am ok with it. After speaking with me in fool along drive out to hospital I affected him and ended up believing me of sorts. Told him to XXXX Paul Cantu vs. trinity university to see other case I won, and Paul Cantu vs. PHH to see the one I was cheated out of and had lawyer dispose of behind my back, and the term targeted individual since said had no idea what was even though it's likely that law enforcement is in control of this process out here when it gets put on someone. Don't commit mortgage fraud and you won't have ever worry about. I didn't! And I had to live with the whole humiliating degrading experience the past few years! And worst part, it's still on me! Even though PHH all but showed they know I didn't commit mortgage fraud. 

Do right thing, get hacker out of phone and let me move on with my life. I need to be on my home working yo pay deliquescent property taxes, bill for homeowners insurance, outstanding bills to get utilities back on, etc. Not out here still being tormented by your hackers! Failure to comply means I move forward with pushing for criminal charges through attorney general and fbi and department of justice. THIS HACKING IS ASSAULT ON A LAW ABIDING CITIZEN! WHAT MAKES YOU THINK YOU CAN JUST STILL DO IT AFTRR YOU SHOWED I WAS IN THE RIGHT AND NEVER COMMOTTED MORTGAGE FRAUD! YOU CANT! AND CFPB, FAILURE TO ACT IF NEEDED IF THEY DONT COMPLY PUTS THE INSTITUTION IN AREA SHOULDN'T BE WHERE I SAY IS LIABLE SINCE CFPB IS SUPPOSED TO PROTECT CONSUMERS, WHICH I NEVER GOT ONCE! 

All you have to do is get this hacker out for good and I'm a man of my word and at the very least, credible. I've proved that. I'll minimize and not draw attention to and file against XXXX or against investers group that evicted me or whatever scapegoat y'all created for this now. Or maybe, just maybe, I'll get in home, be grateful whole horrible experience is over, and get back to work and move on. No one comes back from this and gets home back. No one. I did. Soon to be foreclosed on by irs for not paying property taxes, but doing that would only make this worse. Think of how looks. There's already tax lien. I can't pay if this hacker is in phone. Get him out. I'm asking, please? I'm not the enemy. Never was. I proved it. Hackers should be 100 % gone. Bottom line.

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