Consumer complaint received 2024-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I have serious concerns about the way that Shellpoint has handled my mortgage loan. They have repeatedly failed to credit payments, have not been able to provide documented proof that I ever originated this loan ( my ex-husband committed fraud and took out a line of credit in his name ) and have refused to work with me when I request information on this loan. I am XXXX XXXX XXXX and XXXX and have lived here for over 40 years. My house was owned free and clear and now I find myself being threatened with foreclosure sale date on XX/XX/XXXX. You need to open an investigation into this company and my situation. I purchased my home in XXXX AZ in XXXX. I got divorced from my ex-husband XXXX XXXX in XXXX. Shortly after that I was able to pay off the house and owned it free and clear. On XX/XX/XXXX a fraudulent mortgage line of credit was taken out through XXXX on my property. My ex-husband and new wife forged my signature and were somehow able to execute a quit claim deed and get this financing even though the social security number used was not mine. I tried to question this but my lawyer at the time told me to just make the payments and this would get sorted out in the courts since the loan was recorded on my land and property. I have been paying on this fraudulent mortgage line of credit loan since XXXX. In XXXX the loan transferred to Shellpoint and they sent a statement when they first took over the loan that the balance owed was $ XXXX. What happened to the payments that I had been making for 20 plus years? Is this fraudulent loan interest only?? The paperwork that I have showed it is NOT! Not only that but Shellpoint attempted to double the monthly payment on this fraudulent loan from {$570.00} to {$1000.00} a month. The paperwork for the fraudulent loan does not indicate that it is an adjustable rate mortgage? I would like them to explain. 

When Shellpoint took over the servicing and told me that the 20 years of payments that had been made had not been applied to principal and tried to double the monthly payment I requested documents from Shellpoint with the original loan paperwork. This paperwork shows that I am a victim of fraud by my ex-husband. But my concern is that I am also a victim of fraud by Shellpoint Mortgage, because the payments made and applied to the mortgage dont add up. Another concern is the credit reporting on this mortgage. I hired a law firm to help me with credit repair and they told me that it was very unusual because my mortgage loan payments do not report on my credit? How does Shellpoint explain this? 

I continued to pay even though I had significant concerns about Shellpoint until I XXXX XXXX XXXX in XXXX and was forced to pay lXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I fell behind on my mortgage payment. I was able to get some money together and spoke with agents at Shellpoint and they told me to make a {$2000.00} lump sum payment to get back into good standing. I paid these funds in XX/XX/XXXX but the funds were not applied to my mortgage and I was told I was still behind and that I needed to get caught up. At that point I was fed up and had lost all faith and trust in Shellpoint. Now I am in foreclosure and Shellpoint refuses to work with me. I should not be in this situation. I did not originate this loan. I realize that the loan is on my property and that is why I have paid on it for so many years, but none of these numbers add up. I need some answers.

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