Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am a senior citizen, XXXX XXXX, facing ongoing violations of my rights by Shellpoint Mortgage Servicing regarding my mortgage on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account # XXXX ). Due to my age and health, I rely on an advocate to assist me, and I have provided written authorization for them to act on my behalf. The entire call with Shellpoint on XX/XX/year>, was recorded, and my advocate requested a postponement of the foreclosure sale date, but Shellpoint provided no response except that someone would call me backyet no call has been received.

This follows a pattern of misconduct documented in recent correspondence ( e.g., emails from XXXX XXXX XXXX, counsel for Shellpoint, dated XXXX XXXX XXXX ). Shellpoint has refused to communicate directly with me or my advocate, citing pending litigation ( XXXX XXXX XXXX Case No. XXXX, filed XX/XX/year> ), which violates my rights under RESPA ( 12 CFR 1024.41 ). My advocate submitted a complete loss mitigation package, acknowledged by Shellpoint, yet they refuse to process it or provide a decision within the required 30 days.

Worse, Shellpoints attorney previously stated in writing that no further modifications are possible because Ive exceeded three attempts, claiming this aligns with FHA financing limits. However, I have a conventional loan, not FHA, and there are no such limits under federal or California law ( HBOR 2923.6 ). This misrepresentation is deceptive and has delayed my ability to appeal or resolve the matter. The property has significant equity ( {$4.00} XXXX value, {$3.00} XXXX available to creditors ), and Shellpoint faces no financial risk from a delay, yet they persist with a vague two-week postponement of the XX/XX/year>, sale date instead of the 30 days I requested.

Additional violations include : Unresponsive QWRs : My Qualified Written Request ( QWR ) submitted XX/XX/year>, and multiple follow-ups remain unanswered, exceeding RESPAs 30-day response period ( 12 CFR 1024.36 ).

Dual Tracking : Despite a complete modification package confirmed by XXXX XXXX XXXX ( XX/XX/year> ) and Shellpoints XX/XX/year> acknowledgment, the sale proceeds, violating RESPA 1024.41 ( g ) and HBOR 2923.6 ( c ).

Notice Failures : I was never mailed a denial notice, breaching RESPA ( 1024.36 ) and HBOR ( 2923.6 ) obligations.

Discriminatory Conduct : As a senior, my reliance on an advocate should not be used to deny me due process, potentially violating fair lending laws.

I dispute the debt ( {>= $1,000,000} + {$190000.00} arrears ), asserting it should be approximately {$700000.00} or {$0.00} based on 18 years of payments and Shellpoints questionable standing, as raised in my lawsuit. Shellpoints refusal to engage, combined with their attorneys call reiterating a blanket denial policy, leaves me unable to protect my home

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