Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CT)

First pertinent / highly relevant background information, then the complaint : I have been in mediation through the  XXXX  of CT since +/-  XX/XX/XXXX . At that time - and through +/-  XX/XX/XXXX , the note was held by   XXXX   XXXX    ,  then sold to its current holder :  XXXX ,  XXXX .  <P/> Throughout the first several months of the mediation process and through +/-  XX/XX/XXXX , the mortgage was serviced by  XXXX  which yielded servicing to Shellpoint at that time ( though the file transfer process had commenced well in advance of that date ).  <P/> Additionall y re : my mortgage : ( though  it changed its name via merger in XX/XX/XXXX   ),  the same law firm  ( th en,  XXXX   XXXX  now  XXXX   XXXX   ) ha s performed all legal services on behalf of the  XXXX  above-referenced noteholders and servicers including representation during scheduled mediation sessions with CT State Mediator  XXXX   XXXX  and me. * *On  XX/XX/XXXX  2 days prior to our  XX/XX/XXXX  State of CT mediation session, I forwarded the last of the requested pre-modification documents** via email to : A ) Mediator  XXXX ,  B )    XXXX   XXXX   and  C )    XXXX   as confirmed via copy of attached letter from  XXXX  dated  XX/XX/XXXX  and received  XX/XX/XXXX .  <P/> **The last requested document was a was a pre-employment offer letter from my future employer  ( a landscape / snow removal contractor ). Since he was smack-dab in the midst of snow removal s eason and extremely busy as a result, in lieu of the letter, on  XX/XX/XXXX  I forwarded a copy of my job acceptance email to  all 3 afor ementioned mediation parties. At the mediation session, I was told by the  XXXX   XXXX  representative that the email wasnt ideal but that it should suffice. Again : this was confirmed via the letter from  XXXX  to me dated  XX/XX/XXXX  and received  XX/XX/XXXX  which included a promise of a review and response ( i.e. modification ) withi n +/- 30  days a promise that was never fulfilled.  <P/> As referenced above, the file transfer proce ss ( fr om  XXXX  to  Shellpoint ) ha d commenced well in advance of any servicer-imposed modification processing deadline. As such, Shellpoint was or should have been well aware of the fact that I had a modification pending.  <P/> Additionally,  XXXX   XXXX  /  XXXX   XXXX  most-definitely was aware of my pending modification having received emailed copies of 100 % of the requested documents AND via attendance at the State of CT Mediation sessions. Yet not only did  XXXX   XXXX  fail to inform/remind Shellpoint of its inherited/inherent obligation to follow through with my pending modification, even worse -  XXXX   XXXX  filed a Motion For Strict Foreclosure against me on behalf of Shellpoint 11 days prior to Shellpoint having EVER contacted me.  <P/> Had it not been for a separate complaint filed with the CFPB against Shellpoint + my innate desire to fight for my legal rights via th e State of CT, I w ould have lost my home.  <P/> In addition - as evidenced via the attached documents, Shellpoint and/or its attorneys and/or its  predecessor has/have ( ALREADY ) : 1. Assigned at least 2 different attorneys to my case + 2. Assigned at least 3 different single points of contact to my file + 3. Requested for, to date - now the 4TH time : the SAME set of pre-modification documents from me + 4. Continue to delay the start date of my   employment*** via the above, completely unnecessary redundancies + 5. Attempted to circumvent the State of CT Mediation process via contacting me outside of the scope of the mediation process via the attached letter requesting a 4TH set of the SAME documents - of which its already should have had knowledge and/or had in its possessi on for +/- 6  MONTHS.  <P/> **The original start date of my employment was initially set for  XX/XX/XXXX , with the employers stipulation that the mediation process has successfully completed including my anticipated/expected modification. As a result of these completely avoidable, Shellpoint-induced delays, I have already lo st 4+ mon ths income ( and counting ).  <P/> While any of the above  XXXX  line items, in and o f itself/ themselves, may n ot be of great significance and/or consequence, collectively, they have resulted in a serious lack of communication and follow-through resulting in these unacceptable delays and worse : the previously mentioned bad-faith ( at best ), FAR-too premature + completely unnecessary filing of th e Motion For Stri ct Foreclosure of my home.  <P/> In summation : Shellpoint must be held accountable + adhere to its after the fact promise to allow the mediation process to draw to its natural, uninterrupted conclusion via a REASONABLE + AFFOIRDABLE modification offer start date of  XX/XX/XXXX  + eliminate any further direct and/or indirect additional unnecessary requests for information ).  <P/> Thank you.