Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am filing this URGENT complaint against Caliber Home Loans as previous mortgage servicer for loan # XXXX on my primary residence at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. Caliber created fundamental chain of title defects and validation failures during their servicing period that enabled the current ILLEGAL foreclosure sale scheduled for XX/XX/XXXX, by subsequent servicers. Their systematic violations of the FDCPA ( 15 U.S.C. 1692g ), RESPA ( 12 C.F.R. 1024.35-41 ), and servicing transfer requirements created the foundation for ongoing elder abuse against vulnerable XXXX homeowners, threatening immediate loss of my {>= $1,000,000} home. 

CRITICAL VIOLATIONS : 1. FDCPA DEBT VALIDATION FAILURES CREATING FORECLOSURE FOUNDATION DEFECTS During Caliber 's servicing period, they received comprehensive debt validation demands challenging fundamental aspects of the loan and their authority, including : - Amount owed and calculation methodology verification - Chain of title and assignment documentation - Original creditor and current note holder identity - Payment history accounting and accuracy - Authority to service and collect on the loan Caliber provided NO RESPONSES failing to establish proper validation under FDCPA 1692g ( b ). Their NON RESPONSE has created chain of title gaps that subsequent servicers ( Shellpoint ) are now exploiting to conduct unauthorized foreclosure against vulnerable elderly homeowners. This systematic validation failure enabled ongoing elder abuse through coordinated foreclosure fraud.

2. IMPROPER SERVICING TRANSFER VIOLATIONS ENABLING FORECLOSURE ABUSE When Caliber transferred servicing to Shellpoint Mortgage Servicing, they failed to comply with RESPA servicing transfer requirements ( 12 C.F.R. 1024.33 ), creating defects that enable current foreclosure abuse : - Failed to transfer complete and accurate payment records- Did not provide proper chain of title documentation - Failed to correct known identity issues ( wrong borrower names ) - Transferred defective servicing files without resolution of disputes- Did not ensure FDCPA compliance by subsequent servicer These transfer violations created the foundation for current foreclosure proceedings against wrong borrower names and without proper validation, enabling systematic elder abuse. 

XXXX. IDENTITY FRAUD CREATION AND PERPETUATION Caliber accepted payments under correct legal names XXXX XXXX XXXX and XXXX XXXX ( court-ordered name change XXXX ) while maintaining loan records showing wrong borrower identities " XXXX XXXX XXXX and " XXXX XXXX XXXX XXXX When transferring servicing, they failed to correct these identity discrepancies, enabling subsequent foreclosure fraud. This violates : - FDCPA 1692e ( false representations ) - RESPA transfer requirements for accurate records - Consumer protection laws requiring proper borrower identification Their perpetuation of identity fraud during servicing transfer enabled current foreclosure against non-existent parties, constituting systematic elder abuse through procedural manipulation. 

XXXX. RECORDS MAINTENANCE FAILURES ENABLING FORECLOSURE DEFECTS During their servicing period, Caliber failed to maintain complete and accurate servicing records required under federal regulations : - Incomplete payment history and accounting records- Missing chain of title and assignment documentation - Defective borrower identity information - Inadequate dispute resolution documentation - Failure to properly document modification attempts These records maintenance failures were transferred to subsequent servicers, creating the foundation for current unauthorized foreclosure proceedings and enabling systematic elder abuse against vulnerable homeowners. 

XXXX. ELDER ABUSE FACILITATION THROUGH SERVICING DEFECTS Caliber 's systematic violations during their servicing period specifically targeted and enabled ongoing abuse of vulnerable XXXX homeowners by : - Creating validation defects that prevent effective defense - Failing to correct identity fraud enabling wrong-party foreclosure - Transferring defective records that obscure borrower rights- Establishing foundation for coordinated foreclosure abuse - Enabling subsequent servicer violations through defective transfer This pattern demonstrates facilitation of elder abuse through systematic servicing violations designed to create foreclosure vulnerability. 

XXXX. COORDINATED SYSTEMATIC ABUSE NETWORK PARTICIPATION Caliber participated in coordinated systematic abuse involving multiple entities ( Shellpoint Mortgage Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX ) by : - Creating servicing defects that enable coordinated foreclosure - Failing to establish proper chain of title documentation - Perpetuating identity fraud across servicing transfers - Maintaining non-response patterns to borrower disputes- Facilitating elder abuse through defective servicing practices This coordination demonstrates systematic targeting of vulnerable elderly consumers through coordinated servicing violations. 

PATTERN OF SYSTEMATIC ELDER ABUSE FACILITATION : Caliber 's servicing violations created the foundational defects that enable current foreclosure abuse against vulnerable elderly homeowners. Their systematic failures in validation, records maintenance, and servicing transfer created vulnerabilities specifically exploited to target seniors facing foreclosure through coordinated industry abuse. 

IMMEDIATE HARM AND IRREPARABLE INJURY : - Imminent loss of {>= $1,000,000} primary residence on XX/XX/XXXX due to defects Caliber created - Elderly borrowers ( XXXX XXXX XXXX ) facing homelessness enabled by Caliber 's servicing violations- Severe emotional distress from systematic abuse enabled by Caliber 's defective practices - Financial devastation from defending against foreclosure built on Caliber 's violations - Violation of fundamental due process through coordinated servicing abuse - Elder abuse through systematic servicing defects targeting vulnerable consumers SUPPORTING DOCUMENTATION ATTACHED : - Previous CFPB complaint against Caliber ( ID : XXXX ) showing systematic violations - Debt validation demands sent to Caliber with inadequate responses - Servicing transfer notifications showing defective record transfers- Payment records showing correct names while loan records show wrong names - Chain of title challenges sent to Caliber without proper response - Evidence of coordinated abuse pattern involving multiple servicers - Documentation of ongoing foreclosure enabled by Caliber 's violations URGENT RELIEF REQUESTED : XXXX. IMMEDIATE EMERGENCY INVESTIGATION of Caliber 's systematic servicing violations enabling foreclosure abuse XXXX. EMERGENCY ORDER requiring Caliber to correct records defects enabling current foreclosure 3. MANDATORY COMPLIANCE with FDCPA validation requirements before any foreclosure proceeds 4. SERVICING TRANSFER AUDIT and corrections of defective records transfers 5. ELDER ABUSE INVESTIGATION and criminal referral for facilitation of systematic abuse 6. SANCTIONS AND PENALTIES for servicing violations enabling coordinated foreclosure fraud 7. RESTITUTION for damages enabled by Caliber 's systematic violations ( estimated $ XXXX ) XXXX. INJUNCTION against future defective servicing practices targeting elderly consumers XXXX. REFERRAL to federal banking regulators for comprehensive servicing oversight XXXX. COORDINATION with current servicer investigations to address systematic abuse pattern PREVIOUS SERVICER ACCOUNTABILITY : Caliber can not escape responsibility for creating the foundational defects enabling current foreclosure abuse. Their systematic servicing violations created vulnerabilities specifically exploited to target vulnerable elderly homeowners through coordinated industry abuse requiring immediate regulatory intervention. 

COORDINATED SYSTEMATIC ABUSE REQUIRING COMPREHENSIVE RESPONSE : This complaint is part of systematic violations involving coordinated CFPB complaints against multiple entities ( Shellpoint Mortgage Servicing, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) regarding the same illegal foreclosure proceedings. Caliber 's role as previous servicer who created foundational defects makes them critically responsible for enabling ongoing elder abuse. 

BORROWER INFORMATION : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX - Phone : ( XXXX ) XXXX - Email : XXXX - Loan Number : XXXX - Previous Servicer : Caliber Home Loans

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation