Consumer complaint received 2022-08-05
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My father passed on XXXX XXXX and he was half owner of my home with me as the other half owner. Shortly after that Hurricane Ida hit where I live and caused a good amount of damage to my home and I received insurance money that totaled almost XXXX XXXX. I had to have the payment go through my mortgage company Shell Point Mortgage company with my insurance payments due to being in the rears on my mortgage. At the time of Ida hitting, I had no idea that my home had fallen into foreclosure until my mother was served on XXXX with a notice of seizure. Keep in mind that I am no on the phone everyday with my mortgage company lost drafts department every day or every other day because there was issue after issue as to why they could not reimburse me for the roughly XXXX that I had paid to start demo etc. while waiting on reimbursement from Shell Point. XXXX XXXX XXXX was me point of contact in loss drafts department at Shell Point Mortgage Company. XXXX XXXX would always remind me that we were on a recorded line every tine we spoke, which seemed a little strange. XXXX XXXX was even trying to get me to produce documents to prove that I paid any labor out to a guy that was helping me at first. I had materials receipts and invoices from the guy that was paid to help me and I submitted them to XXXX XXXX as she requested for every document, receipts etc and it still took me almost 6months to receive a check for roughly XXXX from Shell Point Mortgage Company and it was not until in XXXX of XXXX  when I finally received the remaining moneys from Shell Point Mortgage Company . It took me speaking to a different rep. at XXXX  loss drafts department to find out that the invoice that XXXX XXXX was claiming at first was missing and holding up my payment from XXXX, that was after he processed my next payment for me and bypassed XXXX XXXX. XXXX XXXX also used the excuse about my home being with XXXX XXXX XXXX XXXX being difficult to get them to approve to receive my insurance money, etc. I did not pay it much attention until later when I would receive a letter in the mail that was telling me that I had 5 days to vacate the property, etc. it was dated XXXX XXXX. I did not start speaking with the loss mitigations department about the foreclosure matter until roughly 4 months into dealing with the loss drafts department about my foreclosure matters. I was never served as one of the owners of the home until XXXX XXXX by a XXXX XXXX XXXX deputy. I was served with the original copies that my mom was served on XXXX XXXXand attached to the top of the notice of seizure was three sheets that were extracted from my fathers succession. My mothers Attorney held he succession open over one year and kept saying that my situation with my home was why he was holding the succession open. Going back to XXXX XXXX there was a sale date set for XXXX XXXX that was canceled supposedly per XXXX XXXX. XXXX XXXX XXXX XXXX. and I received and email that was signed by Attorney XXXX XXXX with XXXX XXXX and as I was told, Shell Point Mortgage Company they hired XXXX XXXX XXXX and XXXXXXXX XXXX was the only people that could give any instruction to put a hold on my sale date or to move forward. XXXX XXXX I called and the rep. @ XXXX  to inquire about a sale date or XXXX, the rep. lets me know that the sale date was just updated on XXXX XXXX. Never being served anything about XXXX XXXX. But on XXXX XXXX my home accidentally sold at the Sheriffs sale and on XX/XX/XXXX, a relator by the name of XXXX XXXX came to my home and said that she represented XXXX  and she was here to offer me a check for XXXX and I could leave in 30 days etc. or she would be back in 5 days with the Sheriffs to put my belongings to the curb. I di not agree with either of of the two and she left my home. On Friday XXXX XXXX ( XXXX XXXX  ) I received a call from XXXX  named XXXX XXXX XXXX informing me that that listened to and read my and emails and she informed me that as of XXXX XXXX the Sheriffs sale of my home was being recened, she would not want to be in my shoes, blah, blah. XXXX  is supposed to refigure the amount due on my home after they subtracted a lot of fees that had been wrongfully billed for. XXXX XXXX and myself even talked about a charge off of my loan and a small cash settlement for the financial debt that has occurred behind the situation with XXXX  holding my insurance money way too long and the fact that my home was wrongfully sold on XXXX XXXX. I have only been able to speak with XXXX XXXX two times, once on XXXX XXXX and the second time was XXXX XXXX and she has not returned a phone call or an email from her since then. I spoke to so many reps. at XXXX  and no one had ever seen anything like this ever and they still do not see in XXXX  system that there was ever a sale set in XXXX at all. They only see a note added to my file that says that there was a rescission of my loan on XXXX XXXX. After being served on XXXX XXXX I noticed that all the paperwork from the Sheriffs and clerks office all had XXXX XXXX XXXX XXXX on them and not XXXX. My home owners insurance was recently paid by XXXX  and XXXX  is who I have always spoken to about my home etc. XXXX XXXX XXXX XXXX is actually listed at the clerks office as filling the suit for foreclosure, not XXXX. As of today, I was served another notice of seizure with a sale date of XX/XX/2022 but XXXX  has nothing on file about a sale date at all. I really believe that I have become a victim of mortgage fraud the crossed over state lines and took several attorneys, several Judges, XXXX XXXX XXXX ( XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX ( handled the succession for my mother ), XXXX XXXX Clerks of courts office, XXXX XXXX XXXX XXXX XXXX and Attorney XXXX XXXX who represents the XXXX XXXX XXXX. XXXX XXXX XXXX has refused to speak with me since I was served some doctored up " true copies '' of the original set of the notice of seizure on XXXX XXXX. XXXX XXXX XXXX now claims that they do not have me listed in their files as being an owner of my home, after months and months of them freely emailing me and having phone conversations with me about everything that we had been through with my father passing, Ida, the insurance money etc. now they just can not speak to me!!! I need help please!!!

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