Consumer complaint received 2017-05-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (GA)

Re M ortgage :  XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX    XXXX  FAX :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX     XXXX    XXXX   XXXX  XXXX  XXXX    XX/XX/XXXX , 2017    REMOVE THE FRADULENT OVERCHARGE IN $  65,000+ TO -  DATE A ND GROWING HONOR YOUR IMPOSED INSURANCE POLICY HOUSE ROTTING, FILLED WITH MOLD!!!!     Dear  Shellpoint Mortg age : IN response to our letter which FAILED to provide ANY validation to the {$65000.00} of fraudulent fees, interest, interest on fraudulent interest, endless duplicate, quadruplicate fees.. etc.. All your letter shows is that my payments were suspended not applied.. and bank kept imposing new fees over and over on top of each other while stretching out the loan mod because of their negligence or in a clear intent to defraud.      1 ) This is my 10th + R equest to please remove the fraudulently and improperly added {$54000.00} to my mortgage balance of {$200000.00} approximately ( 25 % increase overnight in the balance!!! ) and all accrued interest on this fraudulent amount that should have never been added in the first place. I have made MANY requests by phone, in writing, and through an attorney in the last 12 months, yet none of your communication, including the Letter you sent on  XXXX / XXXX /  XXXX   failed to include the calculations - accounting for the disputed {$54000.00} - thus you FAILED TO VALIDATE THE DEBT.   I have been paying MORTGAGE PAYMENTS as instructed and on time, as directed by your bank and your predecessor   XXXX   XXXX    XXXX  you chose to suspend and NOT apply many of my payments. I am not a Mortgag e Expert and can not fix your computer errors that favor your   accounting and in such an exorbitant amounts.. On top of {$54000.00} you charged me another year on this interest, a lot of processing and inspection fees as bank failed to even properly do modification and kept having many errors and kept charging me fees to correct banks own errors. I estimate the overcharge to be  $ 65,000+ That was requested on MULTIPLE occasions. We are AG  AIN requesting to provide ex act calculations of that {$54000.00} NO credit was posted on the - {$40000.00} or  XXXX . Please provide the dates due and amount of each dollar portion for the {$54000.00}, including principal amount at the date this interest was assessed, interest amount, etc 2 ) We also requested full accounting to the many trial payments that were suspended instead of applied to balance and counted to reduce the interest calculations or counted toward principal on the dates they were made. There suspended payments were actual money I paid and should have been properly credited toward interest and principal.    3 ) Forced Placed Insurance  our client was charged for very HIGH premiums yet when she asked for help repairing the winter storm, burst pipe and other damages she was brushed off by your representatives and was denied even a copy of the policy.   The house is deteriorating rapidly and if not repaired will be condemned shortly. We request your urgent assistance in getting it repaired. The borrower has reached out to over  XXXX  contractors but have not received an acceptable estimate / bid for repairs nor does she have the funds to repair the items that should have been paid by the insurance you force-placed on her.   If the tenants file a MULT I MILLION DOLLAR   LAW SUIT for damages from living in a mold infested home becaus e Shellpoint denied  to honor their own forced placed insurance, how does it benefit anyone?   Banks own INSPECTIONS certified home at the time of forced placed insurance imposition to be in GREAT CONDITION and now its ROTTEN so the evidence is very clear that all the damages happened during the insurance placed by the bank and I reported them and tried many times to get your policy and the bank to fix the house. Not a single dollar was offered toward the repairs! Just a flat denial, not even a policy detail to show me WHY it was denied! Full secrecy a  nd Fraud.
4 ) Please also confirm the jurisdic  tion / venue for any legal proceedings in regards to this mortgage. This is to ensure that if legal action is necessary it is filed in the proper venue.   Please take NOTICE that FAILURE TO PROVIDE THE REQUESTED  information & financial compensation I have requested on multiple occasions, constit utes an INTENT TO DEFRAUD, & FAILURE TO VALIDATE THE DEBT and the mortgage maybe deemed INVALID. CRIMINAL LIABILITY  may also  be imposed on forcing occupants to live in a mold infested home as you failed to repair the damages and its getting worse. I personally have no expertise or resource to repair, but have been making all possible efforts to even get an estimate.   I reques t : 1 ) An immediate refund of {$65000.00} in FRADULENT FEES, charges, interest on fradulent fees and charges 2  ) Full repair of the home to save it from complete loss. I estimated damaged now over {$300000.00}  Sincerely,   XXXX   XXXX