Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
XX/XX/XXXXDear Consumer Financial Protection Bureau, RE : A Concern of Loan # XXXX ; XXXX XXXX XXXX Number : XXXX ; Account number : XXXX, Reference : XXXX ( *a ) First and foremost, I have a huge concern ; I do not bank with XXXX XXXX nor have I ever done any business with XXXX XXXX since they merged with XXXX XXXX XXXX Second I initiated my relationship with Shellpoint Mortgage in XXXX with a XXXX-year fixed mortgage ; I at the time was employed with XXXX XXXX. In XXXX, I lost my job with XXXX XXXX but qualified through XXXX XXXX for a XXXX year mortgage loan and was approved onXX/XX/XXXX for {$31000.00}. * ( b, c ) On XX/XX/XXXX The final payment made by XXXX XXXX XXXX XXXX has been applied towards the XX/XX/XXXX payment. This letter was retained for my records since it varies from the original Deed of Trust, as a loan modification or estoppel will not be completed. The loan will be forgiven in full after XXXX years. * ( d ) I have enclosed a letter** ( a ) from Shellpoint Mortgage Servicing dated on XX/XX/XXXX Wed like to welcome you as a customer of Shellpoint Mortgage Servicing ( Shellpoint ) the letter indicated that this loan was recently transferred to Shellpoint for servicing. I have a concern. <P/>On XX/XX/XXXX I received a mortgage statement* ( e ) and the amount due was {$0.00} however, my payment that XXXX XXXX XXXX XXXX XXXXXXXX ( d ) the Foreclosure prevention fund group had been making for the past year case number # XXXX was for {$1600.00}. did not match up to Shellpoint mortgage statement dated XX/XX/XXXX {$1600.00} ( *f ) and one dated XX/XX/XXXX {$1700.00}. * ( g ) that I received in the within the same week ofXX/XX/XXXX. I have a problem. <P/>In XX/XX/XXXX after not being able to obtain a job I moved out of XXXX XXXX XXXX XXXX XXXX XXXX  I signed a XXXX year contract with XXXX XXXX XXXX and agreed commission with the XXXX Anniversary seal my first months check for {$1800.00} with the first month to be for commission. * ( h ) On XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and XXXX paid me XXXX XXXX XXXX XXXX different rent amounts * ( i ) ; on XXXX XXXX XXXX XXXX made a direct deposit in the name of XXXX XXXXXXXX ( *j ) while the prior months were XXXX XXXX XXXX XXXX : Webpayment IDXXXX. I also have more information, but please know that Shellpoint Mortgage also charged me {$2.00}, {$2.00} and {$2.00} for autodraft for my mortgage payment when they stated free but on my XXXX XXXX XXXX printed out statement from XXXX branch you charged me those fees of {$2.00}, {$2.00} and {$2.00}. I have a problem. ( *letter ) for attachment location In XX/XX/XXXX with the help of XXXX XXXX XXXX ( c ) of Community Link together we filed a complaint on a government protection website listing Shellpoint Mortgage and XXXX XXXX XXXX XXXX XXXX for Steering ; because my XXXXyear fixed mortgage had gone up, my contract payment had gone down and for some reason I was unable to find a job ; I am a XXXX XXXX XXXX XXXX* ( k ), XXXX XXXX XXXX XXXX XXXX. * ( m XXXX Feelings arent facts but XXXX XXXX XXXX has a XXXX-year presence in the XXXX XXXX  area. On XX/XX/XXXX I reported XXXX XXXX XXXX to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * ( n ) XXXXXXXX XXXX XXXX has also failed to send me first and last months rent after contract ended with tenant. Feelings arent facts ; however, I feel as if someone knows and is trying to steer me where I can not get a good job and they know my mortgage payment. I have a home in a very desirable where according to XXXX XXXX home values will increase 4.5 % next year. Compared to a 4.2 % rise for XXXX as a whole. Among Chantilly homes, this home is valued 36.7 % more than the midpoint ( median ) home, and is valued 7.8 % more per square foot. Other amenities XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; double lot ; wrote a XXXXpage letter to XXXX XXXX and lowered my taxes {$150000.00}. <P/>In XXXX I dealt with vandalism, I am having a new roof put on my home, and I had a delinquent report put on from XXXX XXXX XXXX equipment left in my home. XXXX XXXX had pre-flagged and placed fraud on my account ; but for some reason, XXXX XXXX XXXX isnt investigating fraud on my credit card, phone stolen and emails have had to be changed due to trojan horse being placed on my phone and email. I have a problem. <P/>In earlyXX/XX/XXXXXX/XX/XXXX, I surrendered my XXXX XXXX to save her life, to my Vet. My Vet called me the next day and said I have some bad news she had passed away. She asked if I wanted her to come home, she was going to have her cremated and for me ; and also asked if I wanted to have an impression of her paw. I said absolutely and thanked her so much for adopting her. XXXX weeks later my XXXX XXXX XXXX XXXX got sick ; at XXXX and he too passed away with me at home. I am sharing their paw prints, and XXXX  cremated certificate. <P/><P/>I just wanted to share my concerns and problems. Feelings arent facts, however, when it feels as if something is terribly wrong and something is driving you to sell, because you can not get a better job, because of a trojan horse/spider technology that is put on email and phones ; people are not contacting you or returning your calls ; emails are lost ; both of your companions your XXXX XXXX XXXX and your XXXX XXXX, XXXX have died within XXXX weeks of each other ; when your house is re-keyed things still go missing I just feel that maybe, possibly someone is behind this. <P/>XXXX XXXX XXXX, and looking at Shellpoint mortgage statement dated XX/XX/XXXX and one dated XX/XX/XXXX for {$1600.00} and one for {$1700.00}. and some other information Ive shared someone within Shellpoint Mortgage ; and that is why XXXX of XXXX XXXX and myself reported a concern and what has now turned into a problem to a Mortgage Protection Government Website. <P/><P/><P/><P/><P/><P/><P/><P/><P/><P/>Thank you so very much because I feel as if my concern has turned into a huge problem that has overturned my life especially when my huge part of my family has died ; again, I have a problem. <P/>On XX/XX/XXXX, I received two ( 2 ) letters from Shellpoint mortgage. One a statement stating that I had an overdue payment for {$1600.00} I have a 30-fixed mortgage ; my taxes and insurance are included. ( *Q ) I have a witness from XXXX XXXX  Branch Manager XXXX XXXX XXXX that Shellpoint sent me by certified mail a complete payment history after a complaint I made regarding a delinquent report ; that has be stolen out of my house. The second piece of mail is from XXXX ( *R ) and it is asking for the overdue payment of {$1700.00} and the principal balance is {$230000.00}. It states because of late charges, and other charges may vary from day to day, the amount you owe may change. <P/>Please understand I have a XXXX, it is very private but I received an encrypted CD that goes into detail about my disorder. I am also a minority that deals with anxiety and see my physiologist and both counselors on a regular basis and am up to date on my medications. In the interim I am meeting with XXXX XXXX since they reviewed my original 30-year fixed mortgage and I since my payment portfolio has been stolen I will call again and have Shellpoint re-send me a copy. <P/>Please look into this as soon as possible I have limited funds and I feel as if a crime has been committed and the crime is call CHERRY-PICKING and it is destroying my life and someone is simply after my house. I reported STEERING with XXXX XXXX last XXXX now it has moved to CHERRY-PICKING. I know that the Government has been investigating because my payment changed XXXX XXXX XXXX XXXX times last year. I made my payments at XXXX XXXX XXXX XXXX branch and I have witnesses that they changed for the better ; thank you. Please know I do not want to lose my home its all that I have and they know that. <P/><P/>Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( *letter ) for attachment location TABLE OF CONTENTS ( *a ) Shellpoint Mortgage Servicing. Bank Name XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX <P/>( *b ) Borrowers Affidavit XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Payment Program Loan. <P/>( *c ) XXXX XXXX XXXX XXXX Letter XXXX XX/XX/XXXX ( *a ) Shellpoint Mortgage Servicing. Bank Name XXXX XXXX XXXX XXXX Account number XXXX XXXX <P/>( *e ) Shellpoint Mortgage Statement date : XX/XX/XXXX {$0.00} ( **c ) XXXX XXXX XXXX XXXX Letter XXXX XX/XX/XXXX ( *f ) Shellpoint Mortgage Statement date : XX/XX/XXXX {$1600.00} ( *g ) Shellpoint Mortgage Statement date : XX/XX/XXXX {$1700.00} ( *h ) XXXX XXXX XXXX XXXX Monthly Statement : XX/XX/XXXX <P/>( ***c ) XXXX XXXX XXXX XXXX Letter XXXX XX/XX/XXXX ( *i ) XXXX XXXX XXXX XXXX Statement : XX/XX/XXXX ( *j )XX/XX/XXXXApplication : XXXX XXXXXXXX ( *k ) XXXX XXXX XXXX trophy picture. <P/>( *l ) XXXX XXXX XXXX letter. <P/>( *m ) XXXX XXXX XXXX XXXX ( 2 ) pages of complaint. <P/>( *n ) XXXX XXXX XXXX certificate # XXXX ( *o ) XXXX XXXX XXXX XX/XX/XXXXXXXX *p ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( *Q ) Shellpoint/Delinquent letter for {$1700.00} ( *R ) XX/XX/XXXX Mortgage Statement {$3300.00} ( overdue Payment {$1600.00} )

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