Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I know we spoke in the pass about this mortgage company Shellpoint. I have a new issue that needs looking into. I attempted to reinstate my mortgage on several occasions recently on the XXXX of XXXX I was informed that the reinstatement amount would be XXXX, XXXX. If paid by the first. I submitted the full payment in XXXX separate methods that was arranged for me to pay. XXXX being a wiretransfer in the amount of XXXX and another cashier checkin the amount of XXXX. The agent told me as long as I had the payments submitted before that date that my account would be absolutely reinstated. As of today, I haven't gotten my account reinstated. The reason being, they said that because the funds didn't comethrough at the same time they rejected the payment. 

Which is contrary to the information and instructions I receivedfrom the mortgage company. Under UCC code 3 if I reader that correctly it states that portion of the payment must be discharged because they refused the payment. I have the recordings of the conversations and screens shots of the payment being sent also,, I will provide a snippet of the overall 4 to 5 hour conversations. I was to receive a call back today by a manager I spoke with on Wednesday by noon today. Didn't happen. I was told that the information I was seeking would be relied to me. I have filed several complaints and still haven't gotten a direct answer on important matters in the complaints. 

Early this year before my home went into foreclosure, I asked the company through a complaint how to make sure my home doesn't go into foreclosure I think it was back in XXXX of XXXX. I didn't receive an answer on that. 
I've asked about how is there XXXX late fee on the payment history prior to my first bill ( XX/XX/XXXX ). These late fees are XXXX months worth, and less than 30 days from origination/signing the mortgage. This makes me question the validity of the payments and contract. 
I still need this question answered to validate the the originationsof the late fees. I've asked the mortgage company why was my loan sold to a debt collector while maintaining current on-time payments as of the date of transfer. This question was not answered. I need a direct answer to this question also. 

1.Why did they reject my reinstatement payment with knowledge of the XXXX payments coming in, which was agreed upon before and after the payments were made? Will Shellpoint honor the reinstatement that was agreed upon and does UCC 3 fit the rejection? 

2.Why did Shellpoint put my mortgage into foreclosure before responding to the question I had in previous complaint about avoiding the foreclosure process? Stating I called in on XX/XX/XXXX and XXXX to speak to someone about making payments to avoid foreclosure. They didn't give me answer put in the notes that I was not represented and that they are took my account out of legal status on the XXXX of XXXX and by the third of XXXX was in foreclosure status.? 

3.Why did I have XXXX late fees prior to me signing the mortgage? And where did those late fees origin? 

4.Why was my account put into debt collection status even though I was current and paying principal only at the time of the transfer? 


There are four main questions that need to be directly addressed in this new complaint. 

XXXX XXXX the rejection. inform date XX/XX/XXXX XXXX on agent saying they agree to the payment date of recording is XX/XX/XXXX say it'll be good to go. And they will absolutely take the payment. 

Below is a XXXX XXXX link with the snippet if the conversations. 

XXXX XXXX XXXX? XXXX Also attached are the email shows the dates and time at the top of the email when I received confirmation of time and date. I'm also providing a response that was received via CFPB that highlighted the pass issue that has been overlooked and/or neglected to be addressed. And a copy of the first page of the payment history for the account. 


If more of these recording is need, please let me know I have been discriminated against do to my XXXX. As the derogatory comments letter show. 

Recordings for all of this can be provided if need be. 

Closing remarks I am in duress of this matter and have been threatened of my house being foreclosed on do to neglect and misinformation and Misrepresentation. 
Thank you for your time And looking forward to a speedy accurately researched response.

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