Consumer complaint received 2025-07-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
URGENT : FEDERAL MORTGAGE SERVICING VIOLATIONS - ELDERLY HOMEOWNER FACING ILLEGAL FORECLOSURE FIFTH CFPB COMPLAINT BORROWER INFORMATION Name : XXXX XXXX XXXX Age : XXXX ( Protected Class ) Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX Loan Number : XXXX Property Type : XXXX XXXX Loan ( XXXX ) Annual Income : {$17000.00} ( Fixed ) SERVICER INFORMATION Current Servicer : Shellpoint Mortgage Servicing Address : P.O. XXXX XXXX, XXXX, SC XXXX Phone : XXXX EMERGENCY SITUATION Foreclosure Status : VA has XXXX postponement ( as of XX/XX/XXXX ) Original Sale Date : XX/XX/XXXX ( POSTPONED ) Time in Home : XXXX  years ( since XXXX ) Financial Impact : Disputed amount equals nearly 2 years of total annual income DOCUMENTED FEDERAL VIOLATIONS XXXX. RESPA SERVICING TRANSFER VIOLATIONS Violation : XXXX delay in transfer notification Evidence : Shellpoint admits acquiring loan but failing to send notice within required XXXX period Impact : Denied proper notice of rights and servicer contact information XXXX. IMPOSSIBLE FORECLOSURE TIMELINE Violation : Foreclosure proceedings began before loan acquisition Evidence : Shellpoint 's contradictory dates : * Claims foreclosure began XX/XX/XXXX * Admits loan transfer occurred XX/XX/XXXX * XXXX discrepancy proves timeline manipulation * Federal Requirement : XXXX CFPB pre-foreclosure waiting period XXXX. FRAUDULENT DOCUMENTATION & CONFLICTING BALANCES Shellpoint has provided XXXX different balance amounts : * XXXX Tax Statement : {$22000.00} ( unpaid principal ) * Previous Notices : {$29000.00} * Current Response : {$32000.00} * Issue : No explanation for major discrepancies, making dispute impossible XXXX. VA XXXX XXXX VIOLATIONS * Loan Type : XXXX XXXXXXXX XXXX ( XXXX ) * Violation : Failure to comply with VA servicing requirements * Evidence : No documentation of VA compliance provided * Required Action : VA has already intervened requesting foreclosure postponement XXXX. MISSING PAYMENT HISTORY & DOCUMENTATION GAPS * Period Missing : XXXX ( XXXX years of payment history ) * Suspicious Activity : Records show loan " paid off '' multiple times * Pandemic Relief : No evidence of proper consideration of federal relief programs * Texas Homeowner Assistance : Funds may have been misappropriated XXXX. FRAUDULENT TRUSTEE SUBSTITUTION & IDENTITY THEFT * Violation : Unauthorized substitution of trustee XXXX XXXX ( XX/XX/XXXX ) * Crime : Identity theft and fraudulent use of individual 's name without consent * Impact : Creates fraudulent chain of title for foreclosure proceedings * Evidence : Substitution of trustee document dated XX/XX/XXXX * Legal Issue : No authority to use XXXX XXXX ' identity for foreclosure proceedings XXXX. ELDER FINANCIAL ABUSE VIOLATIONS * Protected Class : Age XXXX * Income : {$17000.00} annually ( fixed ) * Vulnerability : Foreclosure would cause homelessness * Pattern : Refusal to provide reasonable accommodations SPECIFIC RESOLUTIONS DEMANDED IMMEDIATE ACTIONS REQUIRED : XXXX. PERMANENT HALT TO FORECLOSURE until all violations resolved XXXX. COMPLETE LOAN AUDIT by independent XXXX XXXX XXXX. FULL PAYMENT HISTORY from XXXX to present with explanations for gaps XXXX. CHAIN OF OWNERSHIP documentation with proper endorsements XXXX. PANDEMIC RELIEF REVIEW with evidence of proper consideration FINANCIAL REMEDIES : XXXX. LOAN BALANCE CORRECTION based on accurate accounting XXXX. WAIVER OF ALL IMPROPER FEES assessed during servicing violations XXXX CREDIT REPORT CORRECTION for any inaccurate reporting XXXX. COMPENSATION for damages caused by servicing violations REGULATORY ACTIONS : XXXX. CFPB ENFORCEMENT ACTION against Shellpoint for pattern of violations XXXX. XXXX  XXXX XXXX XXXX for XXXXspecific compliance failures XXXX XXXX ELDER PROTECTION REFERRAL to appropriate state agencies XXXX. ATTORNEY GENERAL INVESTIGATION for potential consumer fraud XXXX. IDENTITY THEFT INVESTIGATION for fraudulent use of XXXX XXXX ' name XXXX. TRUSTEE FRAUD REFERRAL to Texas Attorney General and local prosecutor Federal Laws Violated : * RESPA XXXX XXXX ( Transfer of Servicing ) * CFPB XXXX XXXX ( Loss Mitigation & Pre-Foreclosure Requirements ) * XXXX XXXX XXXX Regulations ( XXXX XXXX. XXXX ) * Fair Debt Collection Practices Act ( Unverified debt collection ) * Elder Financial Protection ( State and Federal ) * Identity Theft Laws ( XXXX U.S.C. XXXX - Fraudulent use of identification ) * Texas XXXX XXXX ( Trustee substitution fraud ) LEGAL AUTHORITY This complaint is submitted under : * Consumer Financial Protection Act * Real Estate Settlement Procedures Act ( RESPA ) Section XXXX * VA XXXX XXXX regulations * Texas XXXX XXXX laws * Elder financial protection statutes TIMELINE OF VIOLATIONS * XXXX : Original VA loan originated * XXXX : Suspicious gap in payment records begins * XXXX : Foreclosure proceedings allegedly begin ( impossible timeline ) * XXXX : Loan transfer occurs without proper notice * XXXX : Multiple CFPB complaints filed, all improperly closed * XX/XX/XXXX : VA intervenes requesting postponement * XX/XX/XXXX : Fraudulent substitution of trustee XXXX XXXX without authorization URGENCY FACTORS * Age : XXXX years old ( protected class ) * Income : {$17000.00} annually ( extreme financial hardship ) * Housing : XXXX years in home, foreclosure would cause homelessness * Health : Fixed income, limited resources to fight violations * Time : Emergency situation requiring immediate intervention REQUESTED OUTCOME PERMANENT RESOLUTION : Loan modification based on accurate balance after removal of all improper fees, with affordable payment plan suitable for fixed income of {$17000.00} annually. 
ACCOUNTABILITY : Full investigation and enforcement action against Shellpoint for pattern of federal law violations. 
PROTECTION : Ensure no future foreclosure proceedings until all violations are resolved and proper VA loan servicing procedures are followed. 

CERTIFICATION : I certify under penalty of perjury that the information provided is true and accurate to the best of my knowledge. 
Signature : XXXX XXXX XXXX Date : XXXX XX/XX/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