Consumer complaint received 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been with this servicer since XX/XX/XXXX. 

I am having problems with having the payments I send to the servicer, applied correctly to my account or even showing the amount sent in on the statement in a clear manner. 

In addition, I can not discern what charges are for ( which is defined as things paid from the money I send in to the servicer ) with regard to the description in the monthly statement provided by the servicer. 

Payments have been made on my account for months in the future ( through XXXX and I am still showing in arrears by {$45.00} for past due amounts. These are for miscellaneous charges. 

summary of payment indicates payment for charges due well into the future ( XX/XX/XXXX ). Why are these items charged to my account and paid by servicer when I can not discern what they are for and if they were legitimate. 

Why am I being charged for a foreclosure in XX/XX/XXXX when I was not in foreclosure in XX/XX/XXXX. This servicer began servicing my account in XX/XX/XXXX and I was only 1 payment " behind at that time '' according to the records of the current and prior servicer. In addition, I did not authorize the collection and payments of these charges by this company on behalf of a prior servicer because I do not owe them. 

There are many incorrect/unlawful charges ( payments from moneys I have sent in ) made on this account, including payments for charges by prior servicers ( i.e., XX/XX/XXXX foreclosore charges ) which were collected by this current servicer. The current sevicer can not indicate the veracity of a foreclusre in XX/XX/XXXX and the servicer statements do not clearly indicate that the payments, called " charges '', and vaguely indicated on the statement as " FC COSTS '' were for a foreclosure many months ago ( XX/XX/XXXX or XX/XX/XXXX ) with a prior servicer and not for any amounts pending and incurred during my brief time with this company ( since XX/XX/XXXX ). 

The current servicer has increased the amount I owe for the 1 month prior to their servicing of this account. The statement dated XX/XX/XXXX from the current servicer indicates over {$3000.00} owing for the month of XX/XX/XXXX ( with prior servicer ) .. They indicate that the " contractual due date is XX/XX/XXXX. In every previous statement since they began servcing the account, the amount owing for the last month with the previous servicer is significantly less ( 1 month and other " amounts due '' are alleged ). ( see XX/XX/XXXX current servicer initial statement and " Delinquency Notice '' section of the XX/XX/XXXX statement for discreprancy ). 

Also, there are gaps in the statement history and missing activity on the statements provided to me by the current servicer. They also continue to change the date the statement is prepared to manipulate the statement. The charges I speak of are things paid by me by the servicer as indicated on the servicers website payment history, but not indicated on the statement. See each statement, including the XX/XX/XXXX ( initial ) statement which indicates a statement history from XX/XX/XXXX thru XX/XX/XXXX??? This is not possible. Many charges are shown on my account ( on website and attached ( see " payment history '' ) which are not reflected in the statement. Also, the amount owed is not in line with the prior servicer documents which the current servicer has in their possession. 

Finally, the " Delinquency Notice '' section of the XX/XX/XXXX statement from the current servicer indicates differing amounts owing for the months of XX/XX/XXXX an d XX/XX/XXXX.  These are additional amounts which are not explained or understandable and do not conform to the note or agreement of the parties.

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