Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

This is in response to ShellPoint Mortgage Servicing XX/XX/XXXX, statement letter responding to my complaint and inquiry. In a review of ShellPoint 's response including the attached loan history summary, there are several questions I have regarding charges, fees, attorney fees, unapplied payments, once again uncredited payments and Pre-petition Arrearages. In their letter, ShellPoint stated the loan account was credited on XX/XX/XXXX, for the amount of {$900.00}. So, what is the Pre-petition arrearage for {$620.00} Principal & Interest about? You also stated the {$930.00} payment received on XX/XX/XXXX, initially credited to my loan account ( but do not show on Loan History Summary ) anywhere as a loan payment but was changed on XX/XX/XXXX, and credited to the escrow account since my initial complaint and proof of payment. But, in your Pre-petition, Arrearage Claim to the Bankruptcy Court and XXXX & XXXX Attorney ( XX/XX/XXXX ) the Mortgage Proof of Claim stated Proof of Claim of arrearage of escrow of {$930.00}. What payments were in arrearage by XX/XX/XXXX? 

Also, Shellpoints letter states XX/XX/XXXX, monthly payment was not received. Attached is the 3rd proof of payment this year provided to Shellpoint for uncredited payments to the mortgage account in the year XXXX. A payment of {$200.00} was received by Shellpoint on XX/XX/XXXX, for the XX/XX/XXXX MortgageStatement payment amount of {$190.00} which is not shown on the Loan History Summary ( uncredited payment ). Please answer the following questionable charges shown on ( Loan History Summary ), fees, debits, uncredited payments, and proof of claim for pre-petition arrearages on this account : 1.Whatmonth is Shellpoints proof of claim arrearage for {$620.00} for Principal andInterest? Shellpoint Pre-petition arrearage amount. 
2.Why did Shellpoint include arrearage for Escrow in the amount of {$930.00}, paid on XX/XX/XXXX, prior to bankruptcy confirmation in XX/XX/XXXX? 
3.What months are in arrearage for Shellpoint to receive Pre-petition payments from trustee? 
4.What are these transactions listed on XX/XX/XXXX and XXXX/XXXX/XXXX, showing on the Loan History Summary increasing the Principal Balance by {$670.00}, reducing interest payment by {$1200.00}, and reducing the Escrow Account by {$740.00}? Why? XXXX See Loan History Summary ) 5.Why are there debits to Unapplied Payments on XX/XX/XXXX for {$170.00} and {$96.00}? 6.What are these transactions listed for XX/XX/XXXX, increasing thePrincipal Balance by {$720.00}, reducing interest payment by {$790.00}, and reducing the Escrow Account by {$430.00}? ( See LoanHistory Summary 7.Why on XX/XX/XXXX, shown on the Loan History Summary a total of {$860.00} deducted from the Un-applied balance account? ( See Loan History summary ) 8.What happened to the Un-applied balance amounts ( overage payment amounts ) for {$58.00} on XX/XX/XXXX and {$96.00} on XX/XX/XXXX? Why werent these payments applied to the Principal? 
9.Please explain these unapplied payment balances and what account are they applied too? 
10.What are these charges shown on the Loan History Summary shows charges listed on XX/XX/XXXX to XX/XX/XXXX total {$94.00}? 
11.The Loan Summary shows attorney fees being paid beginning XX/XX/XXXX to present from the Pre-petition payments. Why is Shellpoint also charging an additional ( Past Unpaid Amount of {$490.00} ) beginning on XX/XX/XXXX MortgageStatement for attorney fees adding this amount into monthly loan payment? 
12. What is XXXX Cost Access charges for? Who is XXXX XXXX XXXX? 
13. What are XXXX  Cost Dist charges for? 
14. Why is XXXX  XXXX  XXXX  charging fees on my account? 
15. Why is XXXX XXXX XXXX and XXXX XXXX charging fees on my account? 

I would appreciate a prompt response to this very important matter.