Consumer complaint received 2024-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint RE : CFPB Complaint ID # XXXX Reference # : XXXX Property : XXXX XXXX XXXX XXXX XXXX  XXXX This is in response to your reply : I never stated an overpayment was made to XXXX XXXX Tax Commission on the property taxes. I stated Im demanding reimbursement and interest for making the payment the mortgage company was lawfully obligated to disburse from my escrow account that was not done. If the mortgage company did not pay the {$1900.00}, where is the funds located? Why didnt that money stay in the escrow account? 
Im still demanding interest from my payment of {$830.00} paid to XXXX XXXX XXXX for your negligence of non- payment by the due date. Maybe, if you all were not harassing me in XX/XX/XXXX about payment, late fees, and foreclosure, you would have been attentive to obligations on my behalf. It was not an overpayment to the insurance carrier, an out of payment was made to them and two months later the mortgage company decided to pay the insurance carrier. 
Im requesting the regulations on the payment hierarchy on the loan. Also, Im requesting the copies of all the mortgage statements ( 12 payments ) displaying the transaction activity for the following 12 payments ( these payments were formerly sent to the mortgage company through CFPB ) : Check # XXXX dated XX/XX/XXXX in the amount of {$1500.00} and posted XX/XX/XXXX Check # XXXX dated XX/XX/XXXX in the amount of {$1500.00} and posted XX/XX/XXXX Check # XXXX dated XX/XX/XXXX in the amount of {$1500.00} and posted XX/XX/XXXX Check # XXXX dated XX/XX/XXXX in the amount of {$1500.00} and posted XX/XX/XXXX Check # XXXX dated XX/XX/XXXX in the amount of {$1500.00} and posted XX/XX/XXXX Check # XXXX dated XX/XX/XXXX in the amount of {$1500.00} and posted XX/XX/XXXX Check # XXXX dated XX/XX/XXXX in the amount of {$1500.00} and posted XX/XX/XXXX Check # XXXX dated XX/XX/XXXX in the amount of {$1500.00} and posted XX/XX/XXXX Check # XXXX dated XX/XX/XXXX in the amount of {$1600.00} and posted XX/XX/XXXX Check # XXXX dated XX/XX/XXXX in the amount of {$1600.00} and posted XX/XX/XXXX Check # XXXX dated XX/XX/XXXX in the amount of {$1600.00} and posted XX/XX/XXXX Check # XXXX dated XX/XX/XXXX in the amount of {$1600.00} and posted XX/XX/XXXX In addition, Im requesting the mortgage statement displaying the transaction activity for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX since I never received any of these. I will also be requesting the mortgage statement displaying the activity for the years : XXXX, XXXX and some of XXXX. 
Again, you loan history statements are not sent to me monthly. My records are from the mortgage statements displaying the transaction activity. The loan history statements are for your records to manipulate numbers and audits. 
The mortgage statements indicate Prepayment Penalty-None, obviously this is misleading. All 12 of my payment for XXXX indicated the payment month, but that was not applied. According to the mortgage document you presented, under the Important Payment Information, it states additional amount. It does not state additional in a payment. None of my payments indicated to pay to the principle which was done. Furthermore, it states Please designate how you want additional funds to be applied. All of my prepayments indicated how the payments were to be applied. 
Your mortgage statement specifies late fee maybe assessed, thats at the discretion of the owner. I was charged two late fees ; therefore, I demand my reimbursements with interest. 
The mortgage statement transaction activity dated XXXX does not reflect XX/XX/XXXX payment applied ( see attachment ). 

Once again, youre incorrect with your assessment. As of the date of this letter, the loan is due for the XX/XX/XXXX, installment in the amount of {$1600.00}. Ive attached the posted payment indicating it was processed on XX/XX/XXXX and your letter is dated XX/XX/XXXX. Was that response for the purpose of CFPB?

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