Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
LEGAL NOTICE - QWR _______________________________________________________________________ Shellpoint Mortgage Servicing Attention : Loss Mitigation Department XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX https : //www.shellpointmtg.com Date of Notice : XX/XX/XXXX Notice to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX XXXX ( XXXX ) XXXX UBI XXXX Service by : Certified Mail Number : XXXX XXXX XXXX XXXX XXXX XXXX Re : Contesting XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Address previously known as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Trustee Sale XXXX NTS on XX/XX/XXXX XXXX XXXX XXXX XXXX Washington ( XXXX XXXX ), DISCONTINUED Trustee Sale # XXXX XXXX Title # XXXX, alleged XXXX XXXX XXXX XXXX. 

Dear Trustee, and XXXX XXXX Department, The trustee has violated their duty under XXXX. This letter constitutes a legal request for the validation of the alleged violations referenced herein, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and the Washington XXXX XXXX XXXX XXXX, XXXX XXXX, and our complaint for relief pursuant to XXXX, XXXX, XXXX XXXX, XXXX XXXX. Pursuant to Washington XXXX Mortgage Broker Practices Act ( XXXX XXXX ) and Consumer Loan Act ( XXXX XXXX ), Trustee and servicer are ordered to Cease and Desist of unlawful eviction and Trustee Sale on XX/XX/XXXX ( Ex A, B ). 
We are writing to formally contest the XXXX XXXX conducted on XX/XX/XXXX for the property previously known as : XXXX XXXX XXXX XXXX, XXXX, WA XXXX, under Trustee Sale XXXX NTS, and DISCONTINUED Trustee Sale # XXXX. This sale was carried out in violation of both Washington XXXX law and federal law, and we assert that it is invalid for several key reasons. 
XXXX. Failure to Provide Proper Notice ( XXXX XXXX ) Under XXXX XXXX, the XXXX XXXX XXXX XXXX is required to provide proper notice to the XXXX XXXX XXXX, including certified mail and first-class mail at least 20 days prior to the sale. XXXX XXXX XXXX and Shellpoint Mortgage Servicing failed to provide certified notice to the XXXX XXXX XXXX, which is a direct violation of Washington XXXX XXXX and undermines the validity of the sale. Failure to comply with these mandatory notice requirements is a critical defect, rendering the sale voidable. 
XXXX XXXX requires notice to the XXXX XXXX XXXX and not to any other party. The improper notification to a third party, without notice to XXXX XXXX XXXX, exacerbates the violation. 
XXXX XXXX XXXX ( Ex A ) states ; the Trustee caused a copy of said Notice XXXX XXXX 's Sale to be published once between the thirty-fifth and twenty-eighth day before the date of sale, and once between the fourteenth and seventh day before the date of sale in a legal newspaper in XXXX XXXX in which the property or any part thereof is situated : and further, included in this Notice, which was transmitted to or served upon the XXXX or his successor in interest. Trustee failed to provide the XXXX copies of said legal newspaper add. 
XXXX. XXXX XXXX XXXX Acting as the XXXX It has come to our attention that XXXX XXXX XXXX has acted in fraud by effectively acting as the XXXX in this matter, rather than merely serving as the Trustee ( See XXXX A ). As a Trustee, XXXX XXXX XXXX is not authorized to assume the role of the XXXX, which is a clear violation of Trustee duties under XXXX XXXX. The Trustees role should be limited to overseeing the sale of the property on behalf of the true beneficiary. 
As a result, XXXX XXXX XXXX actions have rendered the sale illegitimate and in violation of Trustee duties, pursuant to Washington XXXX foreclosure laws, and established contractual obligations outlined in the original Deed of Trust. 
XXXX. Failure to Provide enough time Pursuant to XXXX ( XXXX ) The property described in ( a ) of this subsection XXXX be sold at public auction at a date no less than 150 days in the future if the borrower received a Notice of defaultletter under XXXX. The date of Notice of Trustee 's Sale is XX/XX/XXXX and the date of sale is XX/XX/XXXX. Trustee only allowed 135 days, not the required 150 days. 
XXXX. Lack of Identification under XXXX XXXX XXXX XXXX XXXX ( Ex A ) states ; the Trustee then and there sold at public auction to said Grantee, the highest bidder. Under XXXX XXXX, the XXXX Deed fails to explicitly identify who the XXXX, the highest bidder is. According to the auctioneer there was no bidder online or present at the XXXX that day, so who is the bidder? XXXX Provide legal documentation of the Bidder and how they meet all bidding qualifications of cash payment. XXXX Provide the Trustee XXXX of Sale Receipt. XXXX Pursuant to XXXX provide who is the XXXX and the XXXX in this Auction. 
XXXX. Lack of XXXX under XXXX XXXX XXXX actions are fraudulent and recorded fraudulent documentation which is a state and federal violation. Under XXXX XXXX, an entity must be clearly identified in foreclosure proceedings. The XXXX Notice XXXX XXXX, and Notice XXXX XXXX XXXX, and Deed explicitly defines XXXX, AS HIS SEPARATE ESTATE, as XXXX. Then states that XXXX XXXX is XXXX. Which is it for both those entities are not legally the same. Provide Legal documentation who is XXXX, AS HIS SEPARATE ESTATE. 
Furthermore, the Trustees Deed identifies the XXXX as XXXX XXXX XXXX, which is a clear violation of Trustee duties under XXXX XXXX. The Trustees role should be limited to overseeing the sale of the property on behalf of the true beneficiary. We demand that you provide documentation proving the legal status and authority of XXXX, AS HIS SEPARATE ESTATE versus XXXX XXXX XXXX as XXXX. 

We also demand that you provide documentation proving the legal status and authority of Shellpoint Mortgage Servicing as the authorized agent. Under XXXX XXXX the designation of an authorized agent should be clearly documented, and the relationship of such an agent must be properly established. 

XXXX. Provide additional Information required per law Provide evidence of Trustee recording under XXXX ( XXXX ) Only upon recording the appointment of a successor trustee in XXXX XXXX in which the deed of trust is recorded, the successor trustee shall be vested with all powers of an original trustee. Also, according to XXXX XXXX ( XXXX ) and RCW XXXX, the Trustee must have clear authority and title to foreclose. 
Is this foreclosure referencing a trust? If so, please provide the following details : Who is the XXXX? 
Who is the first Trustee and second Trustee, and provide their addresses and direct contact information. 
If this is regarding a debt owed, who is the Principal XXXX at this time? 
Who is the guarantor at this time? 
XXXX. Federal Violations : RESPA, FDCPA, and XXXX In addition to violations under Washington XXXX XXXX, this sale also appears to be in violation of federal law. 
XXXX Violation of RESPA ( Real Estate Settlement Procedures Act ) Under RESPA ( XXXX U.S.C. XXXX ), Shellpoint Mortgage Servicing as servicers are required to provide accurate and timely information to homeowners regarding their mortgage status, including servicing transfers and foreclosure proceedings. Failure to disclose material facts such as changes in loan servicers or foreclosure information constitutes a violation of RESPA. If XXXX XXXX failed to properly inform us of the foreclosure and related matters, the sale would be deemed invalid under RESPA. 
XXXX. Violation of FDCPA ( Fair Debt Collection Practices Act ) The FDCPA ( XXXX U.S.C. XXXX ) governs debt collection practices, including actions related to foreclosure. XXXX XXXX XXXX acted in ways that involved misleading communications, unfair practices, or failing to adhere to lawful procedures, that constitutes a violation of the FDCPA. Specifically, misrepresentation of the foreclosure process, or taking actions without proper notice, would lead to FDCPA violations. 
XXXX. Violation of XXXX ( Home Affordable Modification Program ) If the alleged loan was eligible for XXXX or any federal loan modification program, the servicer ( and Trustee ) must comply with federal guidelines and offer a loan modification or other alternatives before proceeding with a foreclosure. If XXXX XXXX XXXX or Shellpoint Mortgage Servicing failed to properly assess eligibility for such programs, would violate federal law. 
XXXX. Potential Violations of Washington XXXX and Federal Law Unfair or Deceptive Practices : The Washington XXXX XXXX XXXX under XXXX XXXX and the Fair Debt Collection Practices Act ( FDCPA ) under XXXX U.S.C. XXXX prohibit unfair practices. We request an examination of your deceptive foreclosure practices. 
The content and delivery of your Notice raise concerns regarding potential violations of both Washington XXXX and federal law, including but not limited to : Identity Theft ( XXXX XXXX ) : If the information provided in the Notice is not accurate or is used to unlawfully threaten foreclosure, this XXXX constitute identity theft. 
Fraud ( XXXX XXXX and XXXX XXXX XXXX XXXX - Frauds and Swindles ) : Any intentional misrepresentation of material facts related to the loan or foreclosure process constitutes fraud. Federal law states that whoever devises or intends to devise any scheme to defraud or for obtaining money or property by false or fraudulent pretenses, representations, or promises, and uses the Postal Service or any interstate XXXX in furtherance of such scheme, shall be fined or imprisoned up to 20 years, or both. 
Extortion ( XXXX XXXX ) : Any threats to unlawfully take or withhold property or perform any act intended to harm another persons financial condition or reputation XXXX constitute extortion. 
Falsification of Documents ( XXXX XXXX and XXXX XXXX XXXX XXXX - Uttering Counterfeit Obligations or Securities ) : If any part of the Notice contains falsified information or documents, this would be a violation of Washington XXXX XXXX and XXXX XXXX, which prohibits the uttering of counterfeit obligations or securities. 
XXXX XXXX Rights ( XXXX XXXX XXXX XXXX ) : If there is a conspiracy to infringe upon our rights under the guise of this Notice, it could be a federal offense punishable by fines or imprisonment. 
Misappropriation and Conversion of Private Property ( XXXX XXXX and XXXX XXXX XXXX XXXX ) : Any unauthorized use or conversion of our private property or information for unlawful purposes constitutes a violation of state and federal law. 
XXXX. XXXX for XXXX XXXX XXXX the violations of state law and federal law, we demand an immediate judicial review of this sale. As XXXX XXXX allows for the sale to be contested on these grounds, I request a review of the entire foreclosure process to determine whether it was conducted lawfully under both Washington XXXX law and federal law. If the proper procedures were not followed, we request that the sale be rescinded immediately. 
XXXX. Request for Full Accounting and Mediation Pursuant to XXXX ( XXXX ) ( XXXX ) An itemized account of all other specific charges, costs, or fees that the borrower, XXXX, or any guarantor is or XXXX be obliged to pay to reinstate the deed of trust before the recording of the notice of sale ; ( f ) A statement showing the total of ( d ) and ( XXXX ) of this subsection, designated clearly and conspicuously as the amount necessary to reinstate the note and deed of trust before the recording of the notice of sale. This was not provided in the Notice of Default and Notice XXXX XXXX XXXX. 
Therefore we formally request a full accounting of all amounts due on the alleged loan. We believe there are significant discrepancies in the debt calculation, and we question the accuracy of the amounts owed. Under XXXX and other federal laws, I also request that this matter be referred for mediation to explore possible remedies and options to avoid further harm. 
XXXX. Legal Action for Invalidating the XXXX XXXX XXXX XXXX XXXX and Shellpoint Mortgage Servicing fail to honor this request and are found to have engaged in deceptive or fraudulent practices, we will pursue all legal and administrative remedies. This includes seeking treble damages and legal fees under XXXX XXXX for consumer protection violations. 
If the issue remains unresolved within 20 days, we will file a court complaint to challenge the alleged loan, collection, and sale, prevent wrongful title transfer, and seek damages for violations of our rights. 
Conclusion This sale was improperly conducted and violated both state and federal law. We demand that XXXX XXXX XXXX immediately review the actions taken in this matter and take corrective steps and rescind the fraudulent sale. We further request that the appropriate accounting records be provided, and that mediation be pursued under both state and federal law. 
Please respond in writing per State law within 20 days from the date of this letter to confirm your actions to remedy this situation. 
This letter constitutes our effort to resolve these false claims referenced by XXXX XXXX XXXX and Shellpoint Mortgage Servicing. No further action shall proceed until the requested documentation and evidence are provided and verified. This letter is not an admittance of debt, nor a full statement of facts, nor a waiver of any rights or remedies available under the law or equity, all of which are expressly reserved. 

Thank you for your attention to this matter. We look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : XXXX A, B, C CC : WA XXXX, CFPB, IRS, WA XXXX, WA XXXX, WA XXXX, WA XXXX

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