Consumer complaint received 2019-03-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX currently has a loan with Shellpoint Mortgage on a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This loan is in default. In XXXX XXXX XXXX of XXXX XXXX approached Ms. XXXX claiming she could help XXXX save her home. Ms. XXXX is elderly and is declared legally XXXX XXXX and XXXX  by the State of California. XXXX XXXX, aware of Ms XXXX 's vulnerable situation coerced and threatened Ms XXXX to sign papers which included a 1 ) Grant Deed and 2 ) Quit Claim Deed. In XXXX XXXX XXXX recorded the Grant Deed, transferring the title of XXXX XXXX XXXX XXXX into the name of XXXX XXXX " as a bonafide gift ''. In XXXX Ms. XXXX sued XXXX XXXX and was granted Quiet Title of XXXX XXXX XXXX XXXX plus damages of $ XXXX due to legal fees, real estate fraud and elder abuse which has never been paid by Ms XXXX . In XXXX of XXXX Ms. XXXX recorded ANOTHER deed, a Quit Claim Deed signed in XXXX transferring ownership of XXXX XXXX XXXX XXXX into the name of XXXX XXXX a SECOND time. The latest title issue has significantly hindered our ability to negotiate terms with Shellpoint Mortgage. I along with others to include the attorney for the Bankruptcy Trustee have explained to Shellpoint Mortgage multiple times that Ms XXXX was and continues to be a victim of real estate fraud and Elder Abuse. Mr. XXXX who was the attorney for the Bankruptcy Trustee emailed me to say that Shellpoint would not allow him to sell the property or to work any type of arrangement so he could not continue since Shellpoint Mortgage refused any type of work out. Despite sending the original complaint and judgement from the case in XXXX and sending the second recorded deed Shellpoint stated DIRECTLY " we are not concerned about the title..we are only concerned about the debt. '' Despite the fact that we have a court complaint that clearly outlines Ms. XXXX diminished XXXX and XXXX abilities and the Courts agreeance in a legal judgement that Ms XXXX is a victim on many levels Shellpoint continues to insist on selling Ms XXXXXXXX XXXX property. It took MONTHS of calls, emails and faxes to finally make Shellpoint Mortgage STOP communications with XXXX XXXX. Despite giving Shellpoint Mortgage several definitive forms of communication the continued to violate XXXX XXXX right to financial privacy by not only 1 )  communicating with XXXX XXXX 2 ) changing phone contact numbers and mailing addresses 3 ) submitting fraudulent and forged short sale documents in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 4 ) convinced Shellpoint to share private loan information ( realtor XXXX XXXX and his assistant XXXX XXXX ) WITHOUT proper authorization. There is also a FORGED Borrowers Authorization that has been reported to the XXXX XXXX County Sherrifs Department and on XX/XX/XXXX and official Police Report was filed against XXXX XXXX and Shellpoint Mortgage with the XXXX XXXX Police Department-XXXX XXXX  Division regarding this. Ms XXXX has an active law suit against XXXX XXXX ( Case XXXX ) to get the title of her property back into her name a SECOND time and to be able to work to save her home of almost 35 years. DESPITE Shellpoint Mortgage knowing 1 ) Ms XXXX is a victim of Real Estate Fraud 2 ) Ms XXXX is a victim of Elder Abuse 3 ) Ms XXXX is declared XXXX and XXXX XXXX by the State of California 4 ) this property has a clouded title SHELLPOINT MORTGAGE IS INSTANT THEY WILL PROCEED TO SELL THIS XXXX AND ELDERLY WOMAN 'S HOME DESPITE HER EFFORTS TO GET HER TITLE BACK IN ORDER TO WORK OUT AN ARRANGEMENT WITH SHELLPOINT MORTGAGE. At this point Shellpoint Mortgage is actively participating in Elder Abuse and the victimization of the legally XXXX.

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