Consumer complaint received 2017-10-23
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint Mortgage Servicing Principal Increase that can not be accounted for - Statements Not Sent to Me, I was not notified of servicer changes, and I cant believe they and all of the big banks are getting away with this. It is absolutely disgusting. 
a ) Shellpoint Mortgage Servicing took over my loan around XX/XX/XXXX and I was not notified. In the letter I received from Shellpoint Mortgage Servicing they sent me an " alleged '' copy of the notification of the mortgage servicer change they say they sent me in XX/XX/XXXX. Funny, they should pay more attention when they forge and recreate documents because the notification they sent me in the recent correspondence to prove they notified me has a notifcation dated XX/XX/XXXX??? Yet in the actual letter they sent me it states the notification and servicing change was XX/XX/XXXX and Shellpoint didnt service my loan then, XXXX XXXX XXXX did. 
b ) The first monthly statement I received from Shellpoint Mortgage Servicing was in XX/XX/XXXX. I didnt receive any more statement until XX/XX/XXXX. I went online and did screen prints and there were no statements at all sent to me. I thought I would document that because they will more than likely modify it and falsify documents like they always do. Nothing has changed, Servicers do what they want and charge what they want because they want to foreclose so that there will actually be legal documents stating they own the home. Note : The loan was paid for when it was securitized, how many times are they going to get paid, how much principal are they going to add to make me walk away because I just give up. They know they are too big to fight, but I will fight until my last breath. I was defrauded out of my inheritance from my parents in the amount of {$190000.00} - it took the banks 4 months to steal what my parents worked their entire life for. 
c ) 1st Statement received XX/XX/XXXX, past due balance {$55000.00}.

d ) In XX/XX/XXXX, Court documents were filed in XXXX County, XXXX XXXX XXXX XXXX and in addition to being forged and robo signed, the court document states I owe {$610000.00}, with no explanation or statements to back it up. 
e ) In XX/XX/XXXX I received my first statement since XX/XX/XXXX, and Shellpoint Mtg Servicing states I owe {$690000.00}, an increase of {$86000.00} in 7 months with no explanation. 
f ) From XX/XX/XXXX to XX/XX/XXXX, I received my statement and the principal balance increased by {$6900.00}. 
g ) From XX/XX/XXXX to XX/XX/XXXX, I received my statement and the principal balance increased by {$6000.00}. 
h ) From XX/XX/XXXX to XX/XX/XXXX, I received my statement and the principal balance increased by {$5700.00}, i ) From XX/XX/XXXX to XX/XX/XXXX, I received my statement and the principal balance increased by {$5700.00} j ) From XX/XX/XXXX to XX/XX/XXXX, I  received my statement and the principal balance increased by {$5800.00} k ) From XX/XX/XXXX to XX/XX/XXXX, I received my statement and the principal balance increased by {$5800.00} l ) From XX/XX/XXXX to XX/XX/XXXX, I received my statement and the principal balance increased by {$6600.00} In the letter dated XX/XX/XXXX from Shellpoint Mortgage they attempted to explain how they came up with the principal balance they say I owe, but it makes no sense. I have attached the analysis they sent me. Shellpoint did approve a temporary trial payment plan for 3 months and I am in process of that - already paid month 1, however the payment amount is {$3700.00}. They will not tell me what principal balance they are basing that payment off of, Shellpoint said it is confidential. It should be in line with the payment I had before, which was about {$3400.00}. a month.

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