Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

I have numerous charges on my account that I did not agree to, nor was I notified about. Because of these fees my statements and my online account appear to be in arrears. This is not the first time that Shellpoint mortgage has done this to me. The last time they fooled me into believing that I had missed several payments and that I was {$10000.00} behind, this scenario forced me into another modification. The new modification was smack in the middle of this pandemic. They added in $ XXXX of intangible fees that were previously removed from the last modification and they gave me a balloon interest rate. My payment went up almost {$800.00}. How does a modification make something affordable when the payment goes up and the principal balance goes up? They are forcing us into foreclosure and there is nothing we can do about it. To be taken advantage of in the middle of a pandemic is simply disgusting. 

Here are a list of the fees, I have written to them regarding these items and have never received a response. The fees are labeled one way on-line and a different way on the statements. I have no idea what most of the fees are even about. 

Transaction Date Transaction Amount Due Date Description XX/XX/XXXX ( {$23.00} ) XX/XX/XXXX Loss Draft Disbursement XX/XX/XXXX {$60.00} XX/XX/XXXX ( POC Objection fee ) XX/XX/XXXX ( {$60.00} ) XX/XX/XXXX other fee/legal fee XX/XX/XXXX ( {$1200.00} ) XX/XX/XXXX recording cost disbursement XX/XX/XXXX {$60.00} XX/XX/XXXX Legal Fee Payment XX/XX/XXXX ( {$60.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX {$20.00} XX/XX/XXXX Other Fee Payment XX/XX/XXXX ( {$20.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$75.00} ) XX/XX/XXXX Legal Fees Disb XX/XX/XXXX ( {$0.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$15.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX {$490.00} XX/XX/XXXX Other Fee Payment XX/XX/XXXX {$150.00} XX/XX/XXXX Other Fee Payment XX/XX/XXXX {$19.00} XX/XX/XXXX Other Fee Payment XX/XX/XXXX {$350.00} XX/XX/XXXX Other Fee Payment XX/XX/XXXX {$200.00} XX/XX/XXXX Other Fee Payment XX/XX/XXXX {$500.00} XX/XX/XXXX Legal Fee Payment XX/XX/XXXX {$450.00} XX/XX/XXXX Legal Fee Payment XX/XX/XXXX {$60.00} XX/XX/XXXX Legal Fee Payment XX/XX/XXXX {$2100.00} XX/XX/XXXX Legal Fee Payment XX/XX/XXXX {$700.00} XX/XX/XXXX Legal Fee Payment XX/XX/XXXX ( {$450.00} ) XX/XX/XXXX Legal Fees Disb XX/XX/XXXX ( {$100.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX Legal Fees Disb XX/XX/XXXX ( {$3.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$450.00} ) XX/XX/XXXX Legal Fees Disb XX/XX/XXXX ( {$150.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$660.00} ) XX/XX/XXXX Legal Fees Disb XX/XX/XXXX ( {$600.00} ) XX/XX/XXXX Legal Fees Disb XX/XX/XXXX ( {$95.00} ) XX/XX/XXXX Legal Fees Disb XX/XX/XXXX ( {$0.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$60.00} ) XX/XX/XXXX Legal Fees Disb XX/XX/XXXX ( {$16.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$470.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$100.00} ) XX/XX/XXXX Legal Fees Disb XX/XX/XXXX ( {$840.00} ) XX/XX/XXXX Legal Fees Disb XX/XX/XXXX ( {$7.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$350.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX {$23.00} XX/XX/XXXX Interest on Loss Draft XX/XX/XXXX {$4.00} XX/XX/XXXX Int on Escrow XXXX XX/XX/XXXX ( {$82.00} ) XX/XX/XXXX Late Charge Assess XX/XX/XXXX {$40.00} XX/XX/XXXX Other Fee Payment XX/XX/XXXX ( {$40.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$7600.00} ) XX/XX/XXXX Loss Draft Disbursement XX/XX/XXXX ( {$100.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$3800.00} ) XX/XX/XXXX Loss Draft Disbursement XX/XX/XXXX {$11000.00} XX/XX/XXXX Loss Draft Payment XX/XX/XXXX ( {$500.00} ) XX/XX/XXXX Legal Fees Disb XX/XX/XXXX {$15.00} XX/XX/XXXX Legal Fee Payment XX/XX/XXXX ( {$250.00} ) XX/XX/XXXX Legal Fee Payment XX/XX/XXXX ( {$2500.00} ) XX/XX/XXXX Unapplied Payment XX/XX/XXXX ( {$15.00} ) XX/XX/XXXX Legal Fees Disb XX/XX/XXXX {$250.00} XX/XX/XXXX Legal Fee Payment XX/XX/XXXX {$1000.00} XX/XX/XXXX Other Fee Payment XX/XX/XXXX {$93.00} XX/XX/XXXX Other Fee Payment XX/XX/XXXX {$650.00} XX/XX/XXXX Legal Fee Payment XX/XX/XXXX {$1500.00} XX/XX/XXXX Legal Fee Payment XX/XX/XXXX {$250.00} XX/XX/XXXX Legal Fee Payment XX/XX/XXXX {$100.00} XX/XX/XXXX Appraisal Cost disbursement XX/XX/XXXX ( {$100.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX {$45.00} XX/XX/XXXX Other Fee Payment XX/XX/XXXX {$30.00} XX/XX/XXXX Other Fee Payment XX/XX/XXXX {$170.00} XX/XX/XXXX Other Fee Payment XX/XX/XXXX ( {$15.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$170.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$15.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$110.00} ) XX/XX/XXXX Late Charge Assess XX/XX/XXXX ( {$110.00} ) XX/XX/XXXX Late Charge Assess XX/XX/XXXX ( {$15.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$110.00} ) XX/XX/XXXX Late Charge Assess XX/XX/XXXX ( {$250.00} ) XX/XX/XXXX Legal Fees Disb XX/XX/XXXX ( {$850.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$170.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$1900.00} ) XX/XX/XXXX Tax Bill XXXX Disbursement XX/XX/XXXX ( {$15.00} ) XX/XX/XXXX Other Fees Disb XX/XX/XXXX ( {$110.00} ) XX/XX/XXXX Late Charge Assess XX/XX/XXXX ( {$15.00} ) XX/XX/XXXX Other Fees Disb