Consumer complaint received 2024-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
VIA FIRST CLASS MAIL, CERTIFIED MAIL, RETURN RECEIPT REQUESTED No. ______________________ [ XX/XX/XXXX ] Newrez LLC. dba Shellpoint Mortgage Servicing, XXXX XXXX XXXX XXXX, SC XXXX Re : Transaction between Homeowner and Bank/Servicer/Trust Company , Commencing with XXXX XXXX  XXXX XXXX Loan # XXXX XXXX to the present Loan # XXXX involving note and security deed which is secured by residential property located at [ XXXX XXXX XXXX XXXX, XXXX Fl. XXXX ] To Whom It May Concern : I am Pro Se / Homeowner concerned with potential fraudulent and deceptive practices by unscrupulous mortgage brokers and more specifically, the loan transaction entered into with the above mentioned Bank , Loan Servicing / & Trust Company ( s ), herein referred to as ( " the transaction '' ). I submitted a Qualified Qualified Written Request on Wednesday, XX/XX/XXXX. Requesting that they provide me with an itemization of all of the Requested items to include, The loan disbursements, the loan charges, the current principal balance, and all payments received from me, as well as any and all other requested documents as per the " RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBTH & VALIDATION OF DEBT LETTER AND TILA REQUEST, so that we may determine the exact amount needed for tender. 

I the Homeowner has a present right to rescind the transaction for at least the following reason : 1. As I was not provided with the type of notice of my right of rescission under the Truth in Lending Act ( " TILA '' ), 15 U.S.C. 1601 et seq., that is required by the Federal Regulation. 
2. Under The Real-estate Settlement Procedures Act, codifies as Title 12 2605 ( e ) ( 1 ) ( B ) ( e ) and Reg. X 3500.21 ( f ) 2 of the United States Code 3. As well as a request under Truth in Lending Act [ TILA ] 15 U.S.C. 1601, et seq. 
4. Please note RESPA provides substantial penalties and fines for non-compliance or failure to answer my questions within twenty one ( 21 ) days of its receipt. Moreover, I was kind enough to extend an additional 15 days as per your request. 
5. No response was ever received, rendering me unable to independently validate this debt, by conducting a complete exam, audit, review and accounting of their so called mortgage loan, from its inception through the present date. 
XXXX A. The Rescission model forms in Regulation Z Appendices XXXX to XXXX are shorter and safer, simply providing : I WISH TO CANCEL Newrez LLC. dba Shellpoint Mortgage Servicing XXXX XXXX  Loan Number : - XXXX Property Address : - XXXX XXXX XXXX XXXX XXXX Fl. XXXX Homeowners XXXX XXXX XXXX. See discussion in XXXX. Revised : XX/XX/XXXX Reserve Board for a refinancing with the same lender. 
Homeowner reserves all rights to raise additional or alternative grounds for rescission under state or federal law. 

I am a Pro Se Homeowner, authorized to rescind the transaction and hereby exercise that right pursuant to 15 U.S.C. 1635, and Regulation Z, 12 C.F.R. 1026.23. This rescission is effective as to all aspects of " the transaction ''. You were given twenty days after receipt of this " RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBTH & VALIDATION OF DEBT LETTER AND TILA REQUEST '' letter received by you on Tuesday, XX/XX/XXXX. Whereby I requested you respond by including any an all " requested documents '' as allowed by congress, signed in connection therewith, or it would automatically and immediately places the parties in the status quo ante, i.e., in their pre-contractual positions, before the transaction was entered into, with no cloud on the dead and title of the property located at XXXX XXXX XXXX XXXX, XXXX XXXX. 

You were hereby given twenty days after to return all monies paid by me in the transaction and to take any action necessary to reflect the termination of any security interest created under the transaction, as you are clouding the title to my primary residence. Please be advised that if you do not cancel the security interest and return all consideration paid by me within twenty days of receipt of this letter, you will be responsible for actual and statutory damages pursuant to 15 U.S.C. 1640 ( a ). 

If you wish to contact me regarding this matter, I can be reached at XXXX Sincerely, XXXX XXXX cc. CFPB & Florida Attorney General

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