Consumer complaint received 2017-02-03
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX sold my loan to Shellpoint Mortgage Company awhile back. I 've had a rough time financially since XXXX and also had a foreclosure rescue scammer take my home back in XXXX and finally got it back last XXXX after time and money spent on an attorney. Jumping ahead. I requested Shellpoint to let me do a short sale. Mailed the first package to them XXXX/XXXX/XXXX. I found a real estate agent to handle the sale. Since then they have constantly said " you 're missing this, you 're missing that '' We sent them EVERYTHING they requested every single time. Including XXXX complete packages every time they asked for something ( that was already sent to them ... ) Every time ... '' your package is not complete. '' Today I received a Notice of Trustee Sale which shows that they signed back in XXXX XXXX, XXXX. Then shows it was mailed to me XXXX XXXX, XXXX and sale next month XXXX/XXXX/XXXX. My point of contact was NEVER available. My agent called this guy constantly to see what the status of my short sale approval was. No answer, no call back. Basically the way I see it, is I really did n't have a point of contact. Finally a few days or so ago he finally calls the main number since my point of contact never returned his calls and was able to talk to someone. Once again " we need this and that signed blah blah blah '' I signed it the very next day, and it was sent and faxed immediately. About that same time I received a letter stating that they did n't approve my " loan mod '' What? I was asking for a short sale! Never was foreclosure mentioned. I was never called by ANYONE from a Shellpoint nor warned by mail, email anything. Nor was my agent. After speaking to my agent today and telling him that they planned on foreclosing on me next month, he called and finally, for the first time in XXXX knows how long, reached my so called point of contact. I believe his name is XXXX. I 've spoken to him ONCE since XXXX XXXX .... XXXX goes on to say " yeah we 're dual tracking '' and believes it to be completely legal. Even though I 've been trying to work out something for the past 4 months! My agent said " I 've called you and called you and you never get back to me! '' XXXX response .... '' well we 're really busy. '' But said " yeah we have a complete packet here. '' And he also said that they could n't do the " loan mod '' which my agent said we are trying to do a short sale and never asked for a loan mod. These people, I believe stall, make you jump through hoops and drag it out just so they can foreclose on desperate homeowners. Why would n't someone call me or my agent informing us instead of just asking for more and more paperwork. Another thing they did in the very beginning which I thought was pretty shady was to tell me to get my tenants name, for him to provide his financial information and pay stubs. I spoke to him about it and of course he refused saying that was an invasion of his privacy and considering he was only a boarder and had nothing to do with my loan. A month later he XXXX out and moved thinking he was gon na be out on the street. So I lost a month of rent that provides me with food, pays utilities etc. Not good. I could go on and on ... Hopefully you can help me out with this. I 've been told, have read that dual tracking is illegal when you 're trying to work out a solution to avoid foreclosure. I 've also looked up Shellpoint 's history and have seen that there have been lawsuits against them for the exact thing that they 're doing to me. I have an attorney and if I need to I will be XXXX of those people ... Thank you

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