Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
URGENT : Follow-up CFPB Complaint - Mortgage Servicing Violations Loan # : XXXX Critical Timeline Discrepancies I am filing this follow-up complaint because Shellpoint closed my previous complaint without resolving critical discrepancies that demonstrate serious servicing violations. Their own response confirms multiple violations of federal mortgage servicing laws : Contradictory Transfer Dates : Shellpoint claims they acquired my loan on XX/XX/XXXX, but didn't send notice until XX/XX/XXXX - a XXXX delay. This violates the RESPA requirement to notify borrowers within 15 days of transfer. 
Impossible Foreclosure Timeline : Shellpoint states foreclosure proceedings began on XX/XX/XXXX - just 16 days after they allegedly acquired the loan. This violates the XXXX delinquency requirement before foreclosure under CFPB rules. 
Conflicting XXXX XXXX : Their own documentation shows : XXXX tax statement showing unpaid principal of {$22000.00} Foreclosure notice claiming {$29000.00} owed CFPB response stating {$27000.00} due These inconsistent figures suggest accounting errors or improper fee assessment. 
Failure to Apply XXXX XXXX : I believe my loan qualified for pandemic relief under federal programs. Shellpoint has provided no documentation showing how these programs were considered. 
VA XXXX Protections XXXX : This is a XXXX loan originated in XXXX. Shellpoint has not demonstrated compliance with VA servicing requirements for delinquent VA loans. 
Legal Violations Based on Shellpoint 's own response, I believe they have violated : RESPA Section 6 - transfer of servicing notification requirements CFPB Regulation X - loss mitigation requirements CFPB Regulation X - XXXX pre-foreclosure waiting period VA XXXX XXXX XXXX XXXX special handling for VA loans RESPA - XXXX to properly respond to Qualified Written Request Fair Debt Collection Practices Act - attempting to collect unverified debt amounts Documentation Request I am formally requesting under RESPA that Shellpoint provide : Complete loan payment history from XXXX to present Documentation showing exact date of servicing transfer from Bank of XXXX XXXX XXXX XXXX pandemic relief considerations for this loan Explanation of discrepancy between the XXXX different balance amounts Copy of the mortgage note with endorsements showing chain of ownership Urgency I am XXXX XXXX XXXX on fixed income of {$17000.00} annually. The disputed amount represents nearly XXXX years of my entire income. I can not afford the proposed payment amount, and foreclosure would leave me homeless. 

I request that the CFPB : Keep this complaint open until all documentation is provided Require Shellpoint to halt all foreclosure activities during investigation Review for violations of elder financial protection regulations Consider referring this case to the VA XXXX XXXX XXXX I am available at XXXX to discuss this matter further. 

XXXX XXXX XXXX XX/XX/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