Consumer complaint received 2024-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The company IS NOT attempt to even address my issue. I have paid this loan off with a prior servicer. The new Servicer is attempting to bill me all over again, rather than addressing my prior payoff. See complaint # XXXX/ I provided proof of Payoff Information from XXXX which has been ignored. 

AS PER YOUR CORRESPONDENCE DATED XX/XX/XXXX " HOW YOU CAN DISPUTE A DEBT. Under RESPA Section 6 and 12 gives me certain consumer rights. " If I send a qualified written request to your loan servicer concerningthe servicing of your loan, your servicer must provide you with a written acknowledgement within five ( 5 ) business days of receivingyour request ''. Which was delivered XX/XX/XXXX to your notice of error / Information Request Address : - Shell Point Mortgage Servicing XXXX XXXX XXXX, XXXX, SC XXXXYet my requests were never acknowledged, or responded to. And no later than thirty ( 30 ) days ( not including weekends and legal public holidays ) after receivingmy request, the servicer must make " any '' appropriate corrections to your account and must provide me with written clarificationregardingthe dispute. AGAIN, None of which have been done. Regardingmy payoff information, previously provided to you. Plus the below which was also requested of you. 

2. LOOK AT YOUR FIRST STATEMENT DATED XX/XX/XXXX, " UNDER THE DELINQUENCY NOTICE SECTION AND MORE SPECIFICALLY/ THE RECENT ACCOUNT HISTORY '' SECTION. THERE ARE SEVERAL DIFFERENT PAYMENT AMOUNTS, DISPLAYED WITH " MONTHLY UNPAID '' WHICH ARE CLEARLY INCORRECT. THE MONTHLY BALANCES, RANGING FROM {$1600.00} UP TO {$2100.00} PER MONTH. WHEN IN ACTUAL FACT, THE PAYMENT AMOUNT WAS SUPPOSED TO BE {$1300.00} AS PER YOUR CURRENT, " HELPING YOU MANAGE YOUR MORTGAGE DOCUMENT '' UNDER THE LOAN INFORMATION SECTION. 

XXXX. KINDLY PROVIDE ME WITH FEDERAL FORM XXXX WITH A MONTHLY ITEMISED STATEMENT FROM THE BEGINNING OF THIS LOAN, ESTABLISHING YOUR PROOF OF CLAIM. MAKE SURE TO INCLUDE A CLEAR BREAKDOWN OF EACH, EVERY, & ALL LATE FEE, CORPORATE ADVANCE FEES XXXX DRIVE BUY FEE, ATTORNEYS FEES, FINANCE CHARGE, OR ANY ADDITIONAL FEES INCURRED, THAT IS ADDED TO THE BOTTOM LINE AMOUNT YOU'RE CLAIMING TO BE OWED YOU. ADDITIONALLY, I WILL NEED ITSIGNED, AND NOTARIZED ; WITH AN ATTACHED AFFIDAVITOF THE INDIVIDUAL HAVING PREPARED THAT DOCUMENT. 

3.Thank You for providing me with the HOMES AFFORDABLE MODIFICATION AGREEMENT with the lender being XXXX XXXX XXXX XXXX XXXX XXXX Please note that account number does not correlate with any relationship that I had with XXXX XXXX XXXX XXXX XXXX. In fact during the time I was with XXXX my loan number was XXXX, as illustrated with the attachment. Kindly close out this erroneous modification agreement, that you are forcibly threatening of foreclosure with. That Home affordable modification agreement, was attached to the same note dated XXXX which had already been satisfied, and furthermore there is no 2nd / new note at play here. Everything revolves around the original note, dated XXXX, which has been paid in full. SEE ATTACHED Send me what should have been issued to me back in XXXX, a standard satisfaction of mortgage and lien release ASAP. This has been nothing short of trickery, concealment and intentional misrepresentation of material facts. Which is tantamount to knowingly and willfully engineering a mortgage foreclosure.. Is your job worth going to jail for? The decision is yours my dear sir! 

Please think very carefully : - As used in the statute, the term " knowingly '' requires only that the defendant acted with knowledge of the falsity. SeeUnited States v. Lange, 528 F.2d 1280, 1287-89 ( 5th Cir. 1976 ) .As in other situations, to commit an act " knowingly '' is to do so with knowledge or awareness of the facts or situation, and not because of a mistake, accident or some other innocent reason. 

The term " willfully '' means no more than that the forbidden act was done deliberately and with knowledge, and does not require proof of evil intent.McClanahan v. United States, 230 F.2d 919, 924 ( 5th Cir. 1955 ), cert. denied, 352 U.S. 824 ( 1956 ) ; McBride v. United States, 225 F.2d 249, 255 ( 5th Cir. 1955 ), cert. denied, 350 U.S. 934 ( 1956 ). 

GOVERN YOURSELVES ACCORDINGLY : - Email : -You can send an email to XXXX. 

Further options are forthcoming for those who wish to use additional layers of encryption when contacting us via email. 


Phone You can call a dedicated phone number and leave a voicemail. 

The CFPBs Whistleblower Tip line is : ( XXXX ) XXXX Mail You can send a letter or package to us at : Consumer Financial Protection Bureau ATTN : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Washington, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation