Consumer complaint received 2025-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I had a long description of the complex, confusing, misleading, and traumatic experience with Shellpoint Loan Servicing, including attatched documents, when website timed out, or just disappeared. I dont know how to retrieve it?! It is a follow up to previous CFPB Complaint # XXXX. They are still up to same mess. I make a payment, they cancel check. I make 2 payments, they dont cancel it, and catch my checking account overdrawn, due to theyre confusing, fraudulent, incompetence! I am severely stressed out, and can not deal with this ANYMORE, IVE HAD IT! I have had to sell my home and move to get out from under this relentless harassment by this company. How can I have a complete audit done on my payment history, and antics? This alll started when XXXX XXXX hit in XXXX. I originated this mortgage XXXX some yrs. ago, when I was misled into a Forebearance under Gov. Declared disaster area, meaning due to that declaration, homeowners can take a forbearance WITHOUT REPORTING TO CREDIT BUREAUS. Well, they did report me, 90 days delinquent. I raised so much H_LL, had to pay an attorney {$4500.00} to correct. Shortly after that, I was dumped off to XXXX XXXX XXXX, for approx. 2 yrs., which was another hellish experience! Finally in XXXX of XXXX, I was dumped off to Newrez-Shellpoint Loan Servicing , now known as Shellpoint Loan Servicing . They continue to attempt to trick me into being delinquent on payments by randomly canceling Mort. payment checks without notifying me untill its too late. Thats how I got reported to credit bureaus. I would get letters ( see attached info. ), 5-10 days after date on letterhead which almost causes me to miss or be late on payments. They need INVESTIGATED! I cant tell how much money they have conned me out of because they have me so confused! I cant get the math to work out, especially my escrow. That also needs an audit, and or investigation! In the XXXX yrs. I have lived here, I have NEVER had sooooo many escrow shortages EVERY YEAR! How can I be so far off? XXXX telling you, something is going on hear, and I cant figure it out, and I am DONE with them. Please help, before some else has to live this nightmare. I have now sold my house, because of there constant harassment, and threatening letters. I get XXXX Payoff Quotes from them every WEEK. Although I have sold my house, I still have retained an attorney, which I cant afford, and hoping to sue them, before I end up in the hospital, I mentally and emotionally can not handle this ANYMORE! See attatched. They keep telling me that they have been attempting to contact me ( by mail, no e-mails, text, or phone calls ), but there return address in window is a po box with NO company name. With all the junk mail we get these days, I probably have been throwing them out. Or theyre lying, and there were no attempts to contact me.

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