Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX Company : Caliber Home Loans , Inc. / XXXXXXXX XXXX XXXX Product : Conventional home mortgage Issue : Unauthorized servicing, standing defects, foreclosure fraud EXECUTIVE SUMMARY OF VIOLATIONS Caliber Home Loans is attempting wrongful foreclosure despite having no established authority to act on my mortgage loan. I have only interacted with Shellpoint as my servicer, yet Caliber is somehow " mixed up '' in my loan without proper legal authority or documentation. This represents systematic mortgage servicing fraud targeting elderly homeowners through deliberate confusion of servicing authority. 

DETAILED COMPLAINT XXXX. UNAUTHORIZED SERVICING AND LACK OF STANDING Critical Issue : Caliber is acting without established authority : No direct borrower relationship : I have never interacted directly with Caliber Shellpoint is my known servicer : All my communications have been with Shellpoint Unexplained authority claims : Caliber somehow claims rights to foreclose without establishing legal basis Missing servicing transfer documentation : No proper notice or documentation of any servicing transfer Chain of authority broken : Can not demonstrate legal right to collect or foreclose This violates 12 CFR 1024.33 ( Servicing Transfer Requirements ) and basic due process.

2. DELIBERATE NAME FRAUD TO OBSCURE AUTHORITY DEFECTS Caliber uses incorrect legal names ( XXXX instead of XXXX ) in foreclosure documents to : Hide their lack of authority : Using wrong names makes it harder to trace their claimed rights Create procedural confusion : Borrowers can't properly respond to documents with wrong names Avoid proper legal challenges : Technical defects protect them from standing challenges Systematic fraud : Pattern of using wrong names despite actual knowledge of correct names XXXX. SERVICING CONFUSION AND REGULATORY VIOLATIONS The relationship between Shellpoint and Caliber creates illegal servicing scenarios : Dual servicer confusion : Borrowers don't know who actually services their loan Avoided accountability : Each entity blames the other for problems Regulatory gaps : No clear oversight when authority is unclear Consumer harm : Impossible for borrowers to exercise legal rights XXXX. PREDATORY MODIFICATION SCHEME TARGETING ELDERLY BORROWERS Shellpoint 's role in the scheme : Offered only impossible repayment terms designed to force rejection Never provided genuine loss mitigation despite 89 % loan paydown Created manufactured default to justify foreclosure action Elder targeting : Exploited our ages ( XXXX and XXXX ) and fixed income status Caliber 's role : Steps in as " foreclosure entity '' without establishing proper authority Benefits from Shellpoint 's predatory setup Continues foreclosure despite questionable legal standing XXXX. XXXX AND SECURITIZATION AUTHORITY DEFECTS The confusion between servicers likely stems from : Broken XXXX assignments : Improper transfers through XXXX XXXX  Securitization gaps : Loan improperly transferred into mortgage-backed securities Missing chain of title : Neither Shellpoint nor Caliber can demonstrate clear authority Robo-signed documents XXXX Assignments made without proper legal authority XXXX. ELDER ABUSE THROUGH SYSTEMATIC CONFUSION As elderly homeowners on fixed income, we are being systematically abused through : Deliberate servicer confusion : Making it impossible to know who to deal with Impossible modification terms : Designed to fail rather than help Procedural mazes : Complex schemes designed to prevent successful resolution Authority games : Playing shell games with who has actual legal rights FINANCIAL HARM AND CONSUMER INJURY Direct Damages : {$22000.00} in documented financial harm $ XXXX forced litigation costs due to authority confusion Credit damage from improper reporting by unknown entities Emotional distress from deliberate confusion and elder targeting Systemic Consumer Harm : Borrowers can not exercise legal rights when authority is unclear Modification requests impossible when no one takes responsibility Due process violations when wrong entities initiate foreclosure CRITICAL REGULATORY QUESTIONS FOR CFPB INVESTIGATION 1. Authority Documentation : How did Caliber obtain authority to foreclose on my loan?

What servicing transfer documentation exists between Shellpoint and Caliber?

Who actually owns and services my mortgage loan? 
2. Regulatory Compliance : Did proper servicing transfer notices get sent per 12 CFR 1024.33?

Are both entities properly licensed to service mortgages in California?

What oversight exists when servicing authority is unclear?

3. Consumer Protection : How can borrowers exercise rights when servicer identity is unclear? 
What prevents servicers from playing " authority shell games ''? 
How are elderly borrowers protected from this systematic confusion? 
REQUESTED CFPB ACTION Immediate Investigation Required : Forensic audit of the relationship between Shellpoint and Caliber Authority documentation review- who has legal right to collect/foreclose Servicing transfer compliance - were proper procedures followed Elder abuse investigation - targeting vulnerable borrowers through confusion Enforcement Actions Needed : Injunctive relief stopping foreclosure until authority is established Monetary penalties for systematic consumer confusion Industry guidance on proper servicing authority documentation Consumer restitution for damages caused by authority confusion Regulatory Reforms : Clear requirements for servicer authority documentation Prohibition on foreclosure without established standing Enhanced protections for elderly borrowers Penalties for deliberate servicer confusion schemes CONCLUSION This case exposes a critical gap in mortgage servicing regulation where entities can claim foreclosure authority without establishing proper legal basis. The systematic confusion between Shellpoint and Caliber represents exactly the type of consumer abuse the CFPB was created to address.

Key Issue : If I've only dealt with Shellpoint, how does Caliber have authority to foreclose? This fundamental question goes to the heart of mortgage servicing fraud and requires immediate CFPB investigation. 

The evidence shows deliberate confusion designed to prevent elderly borrowers from exercising their legal rights while facilitating wrongful foreclosure by entities lacking proper authority. 

This revised complaint focuses on the critical authority/standing issue and positions it as a systemic problem the CFPB needs XXXX investigate. The " how did Caliber get involved '' question is perfect for regulatory investigation since it goes to fundamental consumer protection issues.

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