Consumer complaint received 2021-05-19
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Exhibit 1 shows, on XX/XX/XXXX my spouse and myself mailed SHELLPOINT MORTGAGE SERVICING a certified dispute letter requesting the following : original contract, alleged account number, was this debt assigned to a debt collector or purchased?, amount paid if debt was purchased, commission for debt if collection efforts are successful. Per certified mail receipt the dispute letter was received on XX/XX/XXXX. In response to the dispute letter, SHELLPOINT MORTGAGE SERVICING responded with a letter dated XX/XX/XXXX, not contract, as you can see in Exhibit 2. The letter does not show any signatures to jusify an agreement. Exhibit 3 shows on XX/XX/XXXX my spouse and myself mailed a second notice ( certified mail ) to SHELLPOINT MORTGAGE SERVICING requesting the original contract, original creditor, as well as an audit trail. Per Exhibit 2 SHELLPOINT MORTGAGE SERVICING states the loan was transferred to them on XX/XX/XXXX. My spouse nor myself haven't approved any transfer, and now we are requesting the above information to prove that we are not victims of identity theft. Myself nor my spouse signed a contract with SHELLPOINT MORTGAGE SERVICING, therefore we do not owe any debt to SHELLPOINT MORTGAGE SERVICING. On XX/XX/XXXX ( Exhibit 4 ) my spouse and I received yet another letter from SHELLPOINT MORTGAGE SERVICING, stating that the alleged loan is delinquent. Also in this letter, they refer to my spouse and myself as the " Borrowers, '' which we are not. Per Title 15 USC 1692d XXXX Practice- SHELLPOINT MORTGAGE SERVICING continues to send my spouse and myself letters stating that we are delinquent on alleged account but have not furnished us with the original contract, therefore this is considered harassment. Per 1692e ( 6 ) False or Misleading Representation in Communications- ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. Per Exhibit 2 SHELLPOINT MORTGAGE SERVICES state the loan was transferred to them on XX/XX/XXXX, now they are attempting to hold my spouse and myself responsible. It is also false and misleading to send statements in the positive amount but accuse us of being delinquent on an account. Per 1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. It is deceptive to state that my spouse and myself are in debt with SHELLPOINT MORTGAGE SERVICING without providing us with a contract binding us with SHELLPOINT MORTGAGE SERVICING. Per 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. As of today, there is no information listed on the 3 main Credit Reporting Agency 's stating that my spouse and myself are in a dispute with this company, when dispute letter was received on XXXXPer 1692h- Multiple Debts- If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. My spouse and myself are in a dispute with this company, but yet they are harassing us for a payment.1692g ( b ) Disputed debts- we have contacted SHELLPOINT MORTGAGE SERVICING via certified letter informing them that this account is being disputed and have requested for the debt to be validated. Our Consumer Rights have been violated per each US Code listed above.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation