Consumer complaint received 2024-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, of sound mind and under the penalty of perjury, states the following accounts to the best of my ability and memory of the acts that took place : On XXXX I sent to Newrez, LLC dba Shellpoint Mortgage Servicing acting as a debt collector, who claimed to be the new servicer, a Qualified Written Request ( QWR ) pursuant to Section 6 of the Real Estate Settlement Procedure Act ( RESPA ) and Section 13 of truth in Lending Act ( TILA ) Certified Mail # XXXX in regards to questions about the alleged debt obligation of a mortgage loan. [ Exhibit XXXX Copy of QWR XXXX page ] I received my proof of service that shows my QWR was delivered on XX/XX/year>. [ Exhibit XXXX Copy of Proof of Service USPS Return Receipt XXXX page ] On or around XX/XX/year> Newrez, LLC dba Shellpoint Mortgage Servicing, approximately 75 days after receipt of my QWR, ShellPoint sent an Acknowledgement of receipt of my QWR using interstate commerce.

Their acknowledgement also reflected a zero principle balance for the loan number ( XXXX ) in question but failed to provide notice or contain any statement that Newrez, LLC dba Shellpoint Mortgage Servicing was a debt collector and its attempt to collect a debt or any information would be used for that purpose. [ Exhibit XXXX Copy of Acknowledgement of Receipt Letter XXXX page ] On or around XX/XX/year> Newrez, LLC dba Shellpoint Mortgage Servicing responded with a full response letter in the continued efforts to extort me in the amount of {$230000.00} titled Validation of Debt and that was received approximately 80 days after the receipt of my QWR again utilizing interstate commerce. [ Exhibit XXXX Full Response Letter including photoshopped unauthenticated documents XXXX pages total ] The Full Response didnt contain any name or signature of an actual person responding on behalf of Newrez , LLC dba Shellpoint Mortgage Servicing and seemed suspicious. 


The Full Response had illegible photo copies of unauthenticated documents that appear to be fraudulently photoshopped copies with my signature digitally applied to documents and did not provide any proof of a valid debt obligation. 


The illegible photoshopped documents enclosed actually contained proof that I never agreed to any debt obligations within the contents that were legible. 


The inaccurate information has possibly been furnished to other third party data aggregation companies not directly involved with this transaction. 


I know and understand my right to privacy which is a personal and fundamental right protected by the Constitution of the United States.

I never provided any consent to Newrez, LLC dba Shellpoint Mortgage Servicing in writing or verbally that they could be in possession of my nonpublic information nor furnish any inaccurate information to any third party for any financial gain. 


I know and understand that the acquisition and use of a person 's private identifying information for financial gain is identity theft. 


I have evidence that shows Newrez, LLC dba Shellpoint Mortgage Servicing being in possession of my non-public information for profit as an enterprise who are repeatedly engaged in false and deceptive acts and practices of being in possession of non-public inaccurate information without consent of the consumer to whom it relates.

I have evidence Newrez, LLC dba Shellpoint Mortgage Servicing has conspired with another enterprise XXXX XXXX XXXX XXXX XXXX, not in its individual capacity but solely as owner trustee for XXXX XXXX XXXX XXXX who repeatedly engages in the collection of unlawful debts against public interest directly affecting interstate commerce in multiple previous lawsuits and SEC filings .

Congress has stated that such actions of Newrez, LLC dba Shellpoint Mortgage Servicing are unlawful and Newrez, LLC dba Shellpoint Mortgage Servicing can be civilly liable to me for damages treble the amount in question for such criminal action in accordance with Texas Deceptive Practice Act and any other State or federal or criminal violations applicable including but not limited to The Racketeer Influenced and Corrupt Organizations Act ( RICO ). 





XXXX XXXX, XXXX XXXX XXXX, XXXX 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