Consumer complaint received 2024-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
XXXX XXXX Disrupted Leading into XXXX, oddly, I was on my third attempt working with a realtor to sell my home. During one attempt in particular, the realtor was unable to sell the home. The realtor simultaneously refused to release the home from the realtor contract preventing me from listing with another realtor!? The aforementioned real estate office is no longer in business. 
I believe I was directed away from working with a reputable realtor or any other process that would require a title review or a legal review because it would have revealed that the mortgage was indeed discharged. Instead, I was forced into the foreclosure process which has discretionary discovery but not the hard requirement of a title professional or the like which would have revealed that the mortgage was discharged.

All the while, different entities were sending collection statements/requests, which were visually similar to mortgage statements, that are not affiliated with the property or in any way required; XXXX XXXX XXXX XXXX XXXX XXXX  ( including all banks following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Shellpoint NewReez XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  ). 
Eventually after I stopped paying the questionable statements, XXXX XXXX XXXX XXXX filed a foreclosure complaint without any known standing to do so. 

XXXX XXXX XXXX XXXX  of the attack I experienced was what I refer to as a XXXX XXXX XXXX which is where the perpetrator ridicules the victim as a ploy before asking for money as if the victim is curing their shame by paying. During calls and inquires there werent many answers being given but more shaming & blaming leaving the situation not only unresolved but the conversation usually ended with a demand for payment. 
The purpose of the attack was to make someone uncomfortable, make someone want to move out of their home without due process, such as in the case of a foreclosure proceeding or private sale outside of the review by a title professional or the like. 

Misinformation Many of my friends, family and coworkers have received concerning phone calls related to me. These calls dont accuse of anything but rather leave the recipient with questions about what might be concerning me. For example, a family member received a call regarding the foreclosure ( not from the court ) insisting the family member locate me and ask me to call them. The family member questioned why the caller did not locate me using the same process they used to locate the family member. The family member also questioned what the family member has to do at all with the foreclosure. 
I believe the call was not from a concerned individual looking for me but an attempt to sow discord with a friend, family member or coworker. Actions such as these have affected my ability to work and have certainly contributed to the difficulty. 

XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Orignal Claimer ) Account Number : XXXX

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