Consumer complaint received 2022-02-15
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As per my original complaint XXXX ( see attachment 1 ), I believe the bank and its representatives set a course to deprive and conspire, to obtain property by deception. 

I know the XXXX and XXXX  have added documentation to this CFPB file, further proving my original points of concern, as well as new findings triggered by the bank and their associates ' replies to the complaint. 

To further add to the already held internal servicing notes ( regarding repair funds showing funds received and disbursed ), I was recently sent ( and currently hold ) 99 pages of internal Shellpoint emails discussing my complaint. Reading them not only shows their failure to maintain or hold records, but also proves that they simply do not have the missing loan history, insurance funds, and or escrow account interest statement. It also portrays that they have not followed, nor do they understand, the SII RESPA rights and violations. As you will see in the attached ( see attachments 2 and 3 ), they are now pointing fingers, threatening litigation at each other. Reading further into them, you will see their compliance officers, and even the President of Shellpoint ( XXXX XXXX ) is CCed. With them having this knowledge, ethically, this shows conspiring from the top. 

The simple fact is, all parties aware are complicit. 
I know now that this started with XXXX, and that directly after my father 's death, a chain of incompetence was triggered ( by not processing the SII ), which then became an ongoing coverup. I see the additional teams and people have fallen prey as well. 
What has been uncovered over the last few months further proves that all have taken part to deprive and conspire to obtain property by deception. Looking into the SEC files shows additional issues that are more damaging. 
It's a mushroom effect, however, the lies and coverups have no foundation. Their team is looking for items that simply are not there ( no vaccination for this problem ). It's a house of cards and it reaches the top. 

Unable to answer any of the points in the original complaint and or the new findings, Shellpoint is now refusing to discuss the file and has referred me to their counsel. 

I did reach out to discuss all points from the original complaint, as well as the new findings and concerns, with their counsel ( followed by email ). Unfortunately, they too are unable to answer all the points. 

As stated in my original complaint, in order to start to resolve this, at this point, the bank needs to withdraw from all frivolous or deceitful actions. 

In pursuit of that statement, coupled with the new findings, yesterday I emailed their counsel, demanding that they discontinue the foreclosure action forthwith immediately. They are ethically obligated to do so. 

I still have hopes that the harm done can be rectified and I will continue to pursue this with the hopes of a mutually agreed resolution. I want nothing more than for my family and property to be made whole again.

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