Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I am a XXXXXXXX XXXX citizen XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My doctor warns that stress could be XXXXthreatening XXXX XXXX XXXX XXXX health, balancing issues, and potential XXXX impairments, which make focusing extremely difficult. Shellpoint Mortgage Servicing is exploiting my vulnerabilities through elder financial abuse under the Elder Abuse Prevention and Prosecution Act ( EAPPA ) and Californias Elder Abuse and Dependent Adult Civil Protection Act ( EADACPA, Welfare & Institutions Code 15610.30 ), alongside violations of RESPA ( 12 U.S.C. 2605 ), Consumer Financial Protection Act ( CFPA, 5536 ), and Californias Homeowner Bill of Rights ( HBOR, Civil Code 2923.6, 2923.7, 2924.18 ). Their stonewalling, sham reviews, dual-tracking, and communication barriers have pushed me to a point of desperation, where I was offered foreclosure defense for {$26000.00} on XX/XX/XXXX, requiring me to drop my lawsuit ( XXXX ). This costly offer, paired with Shellpoints tactics, exploits my elder status, causing XXXX stress, credit damage, and home loss risk ( sale set for XX/XX/XXXX ). Ive received 16 identical, non-responsive replies to my complaints, mirroring CFPB cases ( e.g., IDs XXXX, XXXX ), showing Shellpoint exploits elders knowing violations face no consequences. I urgently request CFPB enforcement, an injunction, and compensation from the Civil Penalty Fund ( 12 CFR Part 1075 ) as a harmed elder victim. 
Violations and Elder Financial Abuse : QWR Stonewalling ( RESPA, CFPA, EADACPA ) : Since my XX/XX/XXXX, QWR for creditor info ( XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX ), Shellpoint sent 16 repetitive acknowledgments ( e.g., XXXX XXXX XXXX XXXXXXXX ; XXXX ), violating RESPAs 30-45 day response ( 12 CFR 1024.36 ). This 90+ day delay exploits my cognitive challenges, withholding info to push foreclosurea deceptive act ( CFPA 5536 ) and elder abuse via undue influence ( EADACPA 15610.30 ). 
Sham Loss Mitigation Review ( RESPA, HBOR, EADACPA ) : My application, complete XX/XX/XXXX ( XXXX Complete Acknowledgment ( XXXX ) .pdf ), was denied in 6 days ( XX/XX/XXXX, XXXX Non-GSE Non-Approval Notice.pdf, Denial letter.pdf ) for max mods/insufficient hardship, without supplement opportunity. This sham violates RESPA 1024.41 ( d ), HBOR 2923.6, and EADACPA by giving false hope, exploiting my health-related distress to seize my home. 
No Appeal Rights ( RESPA, CFPA ) : The denial omitted appeal instructions despite eligibility ( application 90+ days pre-sale ; 12 CFR 1024.41 ( h ) ), blocking recoursea deceptive act targeting elders ( CFPA 5536 ). 
Dual-Tracking ( HBOR, EADACPA ) : The sale proceeds despite protections ( XXXX ), a predatory tactic to take my property ( EADACPA 15610.30 ), risking my life due to stress against my doctors no-stress order. 
Communication Barriers ( HBOR, AXXXXA, EADACPA ) : Shellpoint refuses direct talks, citing litigation, referring to attorney XXXX XXXX, who dismisses requests ( Memo Style attorney response.pdf ). This violates HBOR 2923.7 ( single point of contact ), AXXXXA accessibility for my XXXX, and EADACPA by isolating me, worsening my XXXX XXXX. 
Exploitative Environment ( {$26000.00} Offer ) : On XX/XX/XXXX, I was offered foreclosure defense for {$26000.00}, requiring me to drop my lawsuit ( XXXX ). This costly proposal exploits my desperation as an elder, driven by Shellpoints violations, which left me with no affordable optionsa further act of elder abuse ( EADACPA 15610.30 ). 
Pattern of Deceptive Practices : Shellpoints actions mirror lawsuits ( e.g., XXXX v. Shellpoint, No. XXXX ) and CFPB complaints, with prior $ XXXX settlements for servicing abuses. Their 16 identical responses show systemic elder exploitation. 

Harm Caused : Health : Severe stress risks XXXX XXXXXXXX XXXX, violating my doctors no-stress order XXXX exacerbated by XXXX challenges. 
Financial : Home loss risk, credit damage, inability to refinance, and pressure to pay {$26000.00} for defense. 
Emotional : Powerlessness as an XXXX with distress qualifying for EADACPA damages ( 15657.5 ).

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