Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
CFPB COMPLAINT STATEMENT This complaint is linked to FTC Complaint Report Number : XXXX, concerning the same account, entities, and violations. The FTC filing addresses the commercial fraud, false reporting, and interstate trade aspects, while this CFPB complaint focuses on consumer financial violations, unlawful foreclosure activity, and injury. 

I, XXXX XXXX XXXX XXXX a living natural woman, in full life, in propria persona, XXXX XXXX, my nationality and citizenship is XXXX American, being of XXXX XXXX XXXX XXXX  national and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX , file this complaint as a public record and Exposure against XXXX XXXX ( acting as ) Chief Executive Officer for NEWREZ LLC, d/b/a SHELLPOINT MORTGAGE SERVICING ( INC. ) ( hereinafter Shellpoint Mortgage Servicing ), Servicer, and any associated agents acting as attorneys, for fraudulent conveyance, unlawful foreclosure, and commercial misrepresentation in violation of federal protections, including FDCPA, UDAAP, and Title 15 consumer protection. This complaint is not a debt validation dispute it challenges the entire foundation of the alleged mortgage claim of {$160000.00} and the unlawful attempt to seize property, to be specific my Adverse Claim of Title and Reversion of Ancestral Estate, absent any enforceable instrument or verified contract made with the above feoffors.

Under established contract law, a valid contract requires the mutual agreement of at least two parties, each signing in full knowledge and consent, supported by consideration. Yet the only autograph that appears on the alleged promissory note is the alleged borrower no agent of NEWREZ LLC, d/b/a Shellpoint Mortgage Servicing, or any alleged predecessor has ever signed any document constituting mutual agreement. This is not a contract ; it is a unilateral claim. Further, the alleged borrower XXXX XXXX never received consideration according to Article 1 Section 10 of the Constitution for the United States of ( 1791 ), the supreme law of the land ( i.e., no actual substances as in gold or silver as in lawful money, or tender was ever transferred ). U.S. dollars is private commercial paper and is not lawful money which has been deemed Unconstitutional. The defects render the alleged contract null and void ab initio for fraud. 

The alleged borrower has never been presented with the original, wet-ink promissory note, nor a certified allonge, nor any record showing lawful ownership transfer, deposit slip, or trust registration. If the note ever existed, its current possession by a party other than the alleged borrower without assignment, proof of ownership, or consent constitutes theft of the original instrument and fraudulent concealment of evidence. 

I, XXXX XXXX XXXX XXXX as authorized representative regarding account number : XXXX, associated to the alleged borrower XXXX XXXX , issued an Affidavit of Fact : Default Judgment, which representatives of Shellpoint Mortgage Servicing and NewRez LLC XXXX XXXX XX/XX/XXXX. These notices were delivered by USPS as third-party service handling, with a green card return tracking number XXXX, delivered as receipt affirming facts and making a matter of public record. Neither entity provided a competent response, rebuttal, or verification of claim when challenged via Affidavit of Dispute. Their silence constitutes default, a failure to validate any contract, authority, standing, or debt, and operates as unrebutted admission to all claims presented including fraud, misrepresentation, and unlawful lien attempts against my estate. 

On XX/XX/XXXX, there was further extension, including an Affidavit of Fact XXXX XXXX XXXX XXXX XXXX XXXX  an alleged attorney attempting to represent these now-defunct entities. These opportunities to rebut were also met with silence. As of XX/XX/XXXX, as representative of NEWREZ LLC ( INC. ), XXXX XXXX is party to the judgment debtors now in default [ Exhibit : XXXX ]. There was given 72 hours ( 3 days ) from that date to respond and prove evidence of a claim in accordance with the prerequisites of my due process rights secured by the 5th Amendment of the Constitution for the United States of North America ( XXXX ). 

Your default stands as conclusive evidence of your admission by silence to committing acts of fraud in the inducement. It also stands as conclusive proof that you hold no valid claim, and that your instruments, as well as account XXXX, are unconstitutional, null and void ab initio, and unenforceable for lack of jurisdiction and fraud.

Despite having no standing or lawful authority, these feoffors proceeded to initiate foreclosure through a defacto venue known as the XXXX XXXX for XXXX XXXX XXXX XXXX ), located at XXXX XXXX XXXX, XXXX, Maryland who also are participants in the collusive acts, by way of striking my affidavits including XXXX XXXX XXXX XXXX  Default Judgment, Adverse Claim, and Title of Reversion issued to the representative, violating my due process rights secured to me by the Constitution for the United States of ( XXXX ). There was no process of notice, no original wet-ink promissory note, no sworn affidavit from a living natural person bearing wet ink signature, and no agency or title. Their continued activity constitutes willful fraud and an unlawful attempt to enforce a lien under color of law by fictions. 

XXXX XXXX, acting as CEO for NEWREZ LLC and Shellpoint Mortgage Servicing, are not the alleged original lender ; they acquired the transfer from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, who acquired it from XXXX XXXXXXXX XXXX XXXX XXXX XXXX truly third-party interlopers in a chain of securities fraud, with undisclosed and unlawful assignments. There exists no original agreement or contract between I, the living natural woman, nor the alleged borrower ens XXXX XXXX XXXX, no signed agreement, no consideration, and no verified ownership of the alleged debt instrument. NEWREZ is therefore a stranger to the alleged contract and has zero lawful authority to claim, service, or enforce anything related to the alleged debt obligations. 

In addition to the attempted theft of my estate property through a fraudulent foreclosure, NEWREZ LLC ( INC. ) and Shellpoint Mortgage Servicing have also unlawfully reported the account negatively to credit reporting agencies, damaging reputation and standing. Theyve concealed material facts, failed to disclose their interest or authority, and moved forward without presenting Best Evidence as required by Federal Rules of Evidence Rule 1002.

Given the totality of commercial fraud and default, I will be forwarding this matter to the following federal enforcement bodies for full inspection, criminal review, and civil penalties where applicable : IRS Criminal Investigations Division for inspection of all filings from 2018 to present in relation to potential fraudulent asset declarations, false loan claims, and unauthorized income or write-offs involving this account.

U.S. Treasury Office of Inspector General for review of false use of instruments tied to the Treasury, bond fraud, and misuse of negotiable instruments. 
FBI Financial Crimes Unit for civil and criminal enforcement of mortgage fraud, conspiracy, and identity-based theft.

FinCEN for financial transparency violations and suspicious servicing activity.

Consumer Financial Protection Bureau under UDAAP, FDCPA, and fair credit laws.

Any further attempt to act against my estate or pursue foreclosure without full production of lawful instruments, signatures, and contract validation will result in direct action against all involved parties. You are placed on firm notice : continued encroachment will be pursued under criminal and commercial remedies. This fraudulent scheme is now under federal watch. 

I hereby command : Immediate termination of foreclosure activity and removal of any court action as unlawfully initiated.

Full deletion of credit reporting tied to the alleged account.

Cease and desist, all fraudulent claims with no production of any original documents listed in prior notices ( including promissory note, deposit records, trust agreements, etc. ).

Referral to appropriate enforcement for full investigation and prosecution. 


This claim supplements filings already submitted to the FTC and forms part of a broader action to remove all unauthorized entities from my estate.

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