Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I PURCHASED A CONDO XXXX XXXX WAS MORTGAGE CO. LOAN TRANSFERRED TO XXXX XXXX XXXX .. IN XXXX LOAN TRANSFERRED TO NEW REZ/SHELLPOINT. I PAID MY TAXES AND INSURANCE. THEY HAVE BEEN DOING A YEARLY ANALYSIS SINCE THEY GOT MY MORTGAGE MONTHLY!! SO I WAS A TARGET TO EITHER MAKE ME DEFAULT DUE TO MY AGE OF XXXX. THEY HAVE BEEN HARASSING ME FOR 2 YEARS. FIRST THEY TRIED TO TELL ME THEY WERE PAYING MY INSURANCE. I HAVE PAID MY INSURANCE ON EVERY HOME I HAD. THEY TRIED TO FIND FAULT WITH MY COVERAGE AND I WAS SENDING INFO INCLUDING HOA, OF WHICH THEY SAID I HAD NONE. THEY HAVE BEEN FABRICATING STOIRIES AND UNTRUTHS FOR 2 YEARS., I CAN NOT TAKE ANYMORE.XXXX XXXX THEY STARTED ABOUT MY R.E. TAXES WHICH I PAY QUARTERLY. ON TIME SOMETIMES A MONTH LATE BUT PAID IN FULL.FIRST STORY, IN XX/XX/XXXX THEY SAID THEY SENT XXXX FOR MY TAXES. I HAD TO PAY MONIES BACK. I CALLED TAX ASSESSOR AT TOWN HALL AND WAS TOLD THEY NEVER GOT PAYMENT, SO NEW REZ LIED, NEXT THEY KEPT RUNNING THE YEARLY ANALYSIS CLAIMED THERE WAS A SHORTGAGE OF XXXX BUT IT WAS UNDER XXXX SO THEY COULD DO NOTHING.EVERY MONTH THEY SENT ME ESCROW ANALYSIS. ONLINE IN MY ACCOUNT I SAW EVERY ANAYSIS SINCE THEY TOOK OVER MY MORTGAGE AND WAS IN SHOCK. I WAS TOILD IT SUPPOSE TO BE DONE ANUALLY, THEN THEY STARTED SENDING ME PAYMENTS THEY MADE AND THEY MAKE PAYMENTS ON, '' ESTIMATED FIGURES ''. I PAY ACTUAL BILLS AND I GET AN ABATEMENT AND I TOLD THEM AND COMPLETELY THEY IGNORED FACT. 
IN XXXX THEY SENT ME NOTICE DUE TO A SHORTAGE, THEY ARE PUTTING AN ESCROW ACCOUNT ON MY MORTGAGE EFFECTIVE XXXX XXXXMY MORTGAGE WAS XXXX AND THEY ARE ADDING ESCROW DUE TO INCORRECT FIGURES ON THEIR PART AND MY MORTGAGE WILL NOW BE XXXXWITH GAS AND ELECTRIC BILLS SOO HIGH AND NOW THIS I CAN NOT AFFORD IT, I WAS DOING FINE PAYING MY TAXES AND TOWN CONFIRMED THAT. I HAVE COPIES OF EVERY CHECK THERE WAS NEVER A SHORTAGE. THEY LIED ABOUT SENDING MONIES TO TOWN FOR TAXES. EACH TIME I COUGHT THEM IN A LIE THEY CHANGED THEIR STORY.OUT OF ALL THE CUSTOMERS THEY HAVE I AM SINGLED OUT WHY I DO NOT KNOW. IN XX/XX/XXXX THEY DID ANOTHER ANALYSIS AND LIKE LAST 24 ANALYSIS, NUMBERS CHANGED AGAIN. THEY SOLD ME I OWE THEM XXXX FOR ESCROW AND I COULD PAY IT BY XX/XX/XXXX OR THEY WILL STRETCH PAYMENT OUT FOR 3 YEARS AND ADD XXXX TO MY MORTGAGE AND ESCROW. IN ADDITION TO ALL THESE LIES THEY CHANGED FIGURES ON MY LOAN AND I WAS TOLD THAT IS NOT LEGAL. SO THE LOAN STARTED XX/XX/XXXX FOR 25 YEARS AND ENDED IN XXXX, PRICE WAS XXXX AND MY BALANCE IS XXXX. THEY CHANGED STARTING DATE TO WHEN THEY OBTAINED MY LOAN AND ENDING ON XXXX. IT IS ONLINE IN THEIR PORTAL,, THAT IS HOW I FOUND IT. THEY TOLD ME THEY HAD A PORTAL, THANK GOD I WENT IN.I CAN NOT AFFORD AN ATTORNEY BUT THEY HAVE DISTORTED FACTS AND FIGURES FOR 2 YEARS.THEY WILL DO ANOTHER ANALYSIS AS I SAID IT IS A MONTHLY THING AND EACH TIME THEY DO IT THE NUMBERS CHANGE, I WORKED IN XXXX XXXX  35 YEARS AND NEVER SAW ACCOUNTING LIKE THEY HAVE, IT IS INSANE THAT THE NUMBERS CHANGE. THEY SHOULD BE CONSTANT AND NOT CHANGE., IF THEY KEEP UP THEY WILL JUST KEEP INCREASING MY MORTGAGE AND I CAN NOT TAKE IT ANYMORE. I HAVE A XXXX XXXX AND MANY OTHER ISSUES, BUT AM IN GOOD HEALTH AND GET AROUND BUT WITH THEM ON MY BACK WITH EMAILS AND LETTERS, I CAN NOT TAKE ANYMORE., I WENT TO XXXX  THEY INVESTIGATED NOTHING RESOLVED, IF I PAY XXXX THEY WILL NOT ADD XXXX MO. FURTHERMORE THE CONTRACT, ORIGINAL ONE SAYS NOTHING ABOUT ESCROW. LAST MORTGAGE CO REMOVED ESCROW FOR ME. HAD NO ESCROW WHEN NEW REZ TOOK OVER. ALL OF A SUDDEN WITH ALL THEIR FAKE NUMBERS THEY WANT MY ESCROW BUT I CAN PAY MY INSURANCE. LOL. 
PLEASE FOR LOVE OF GOD LET ME LIVE MY DAYS WITH THESE SCAMMERS OFF MY BACK. JUS WANT TO LIVE EACH DAY IN PEACE.

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