Consumer complaint received 2020-06-18
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
wednesday, XX/XX/2020 dear Consumer Financial Protection Bureau Representative : this company is trying to commit FRAUD! 

my monthly payments have been set for at least five ( 5 ) years to reflect {$1800.00}! 

this company has Illegally tried to change the payment amount during the coronavirus pandemic going on and now they want to Illegally make me pay about {$30.00} to {$40.00} dollars more per month for a fake/untrue/invalid reason given! 

this Illegal Increase is NOT part of their agreement with ME and i have the PROOF FROM MY BANK SHOWING ALL OF THE MONTHLY PAYMENTS THAT this company took from ME since day one until the coronavirus started! 

moving forward : NOT only do they want all Three ( 3 ) months paid in full, but they are NOT willing to spread out the payments for at least 12 months! 

they want to make me pay double for Three ( 3 ) months! 

you call this LEGAL! 

even XXXX XXXX does NOT do this to their customers! 

XXXX XXXX adds on the Three ( 3 ) months to the end of the loan in additional monthly payments. 

so Why did they offer ME a forbearance to begin with if they want their money in three ( 3 ) months at Double the Payment? 

furthermore, they even ILLEGALLY TRIED TO RAISE MY MONTHLY PAYMENT AS EXPLAINED WITH NO LEGAL REASON GIVEN! 

moving right along : ONE THING THEY TRIED TO DO WAS WRONGFULLY ACCUSE ME OF NOT HAVING HOMEOWNER 'S INSURANCE! 

I MAY have gone without it for like ONE MONTH, but NOT FOR A FULL YEAR as they are trying to FALSELY CLAIM! 

furthermore, i have always had insurance and this company ILLEGALLY added on a BOGUS {$600.00} OR SO FEE ( AND CLAIMED THAT I DID NOT HAVE INSURANCE FOR A YEAR OR SOMETHING LIKE THAT )! 

a total LIE! 
================================================================= here is a copy of the complaint letter that i had already sent out to the Shellpoint Mortgage Servicing Company by email for your reference and further review. 
thank you. 

wednesday, XX/XX/2020 regarding : XXXX regarding : XXXX XXXX XXXX XXXX XXXX, XXXX, california XXXX XXXX SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX  # XXXX XXXX, Ohio XXXX Fax : ( XXXX ) XXXX & XXXX XXXX XXXX ) XXXX & ( XXXX ) XXXX & ( XXXX ) XXXX & ( XXXX ) XXXX & ( XXXX ) XXXX & XXXX : ( XXXX ) XXXX & XXXX : ( XXXX ) XXXX & ( XXXX ) XXXX & XXXX XXXX SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX  # XXXX XXXX, South Carolina XXXX Fax : ( XXXX ) XXXX & XXXX XXXX XXXX ) XXXX & ( XXXX ) XXXX & ( XXXX ) XXXX & ( XXXX ) XXXX & ( XXXX ) XXXX & Fax : ( XXXX ) XXXX & XXXX : ( XXXX ) XXXX & ( XXXX ) XXXX dear XXXX XXXX, i understand the 3 payments owed ... 

... but the payments have been set since the very beginning of when the loan started of : {$1800.00} and that is what i am paying for the missed payments x 3 missed forebeared payments! 

please NOTE : if i have to file an additional complaint against YOU for FRAUD in trying to STEAL EXTRA MONEY FROM ME THAT I DO NOT LEGALLY OWE YOU with the XXXX XXXX XXXX and the Consumer Financial Protection Bureau then i will! 

but i am NOT paying any more than what i have been paying all along! 

i have the BANK 'S PROOF OF ALL OF THE PAYMENTS THAT YOUR COMPANY TOOK FROM ME FROM DAY ONE ( 1 ) AND I CAN GET A PRINT OUT TO SHOW EVERY PAYMENT MADE TO YOUR COMPANY FOR LEGAL EVIDENCE! 

enclosed, in the attachment, please find a picture showing You the LAST payment that Your Company Took Out Of My Bank Account for your reference and further review. thank you. 

once again, i am comfortable with the {$1800.00} payment. 

do NOT make go to EXTREMES OF HAVING TO FILE ADDITIONAL COMPLAINTS AGAINST YOU FOR " NEGLIGENCE ''! 

XXXX XXXX XXXX ANGRY AND XXXX OFF CUSTOMER /hps enclosure : picture showing what YOU took out of my bank account back in XX/XX/2020 for your reference and further review. thank you.

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