Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone : XXXX Email : XXXX Loan # : XXXX Servicer : Shellpoint Mortgage Servicing / NewRez LLC Summary of Complaint Shellpoint Mortgage Servicing/NewRez LLC is attempting to collect, enforce, and proceed with foreclosure on a mortgage loan without proving that they or their claimed investor have legal ownership of the loan. 
Despite repeated requests, Shellpoint has not provided the chain of title, the endorsed note, the allonge, or any evidence of proper loan transfer. 



Issue 1 Invalid / Defective Assignment ( Key Evidence ) I obtained copies of the XXXX Assignment recorded in XXXX XXXX. The document shows : Assignment Date : XX/XX/XXXX Assigned From : MERS as nominee for XXXX XXXX XXXX  XXXX XXXX ( Original lender ) Assigned To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX, Alternative Loan Trust XXXX Problems : XXXX. The trust ( XXXX XXXX ) closed in XXXX and can not accept loans in XXXX. 
This violates the XXXX and IRS XXXX rules. 
2. The assignment was executed 5 years too late and appears to be robo-signed by a XXXX  notary tied to mass-produced foreclosure documents. 
3. My county court later STRUCK this same trust and XXXX XXXX from the foreclosure case. 
The court refused to recognize them as the legal owner. 
4. No subsequent assignments exist that transfer the mortgage to : Shellpoint NewRez Any other entity There is no valid chain of ownership on record. 



Issue 2 Shellpoint Can not Prove They Are the Servicer or Agent of a Legal Owner Shellpoint repeatedly claims they service on behalf of : XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX But : This entity was stricken from my foreclosure case. 
Shellpoint has not produced the note, allonge, or custodial file history. 
No recorded assignment places the loan into this trust. 
No recorded assignment exists after XXXX at all. 

Shellpoint can not identify the lawful creditor. 
They can not legally collect or foreclose without proving ownership. 



Issue 3 Shellpoint Refused to Provide Chain of Title I submitted a Qualified Written Request ( QWR ) and a CFPB complaint earlier. 
Shellpoint responded but did not address : Chain of title Note endorsements Trust transfer documentation How the trust can own a loan assigned 5 years after closing Why XXXX XXXX was stricken by the court Instead, they discussed escrow, bankruptcy, and internal records none of which answer the ownership question. 

This is a violation of RESPA, Reg X, and CFPB servicing rules requiring clear responses to ownership disputes. 



Issue 4 Foreclosure Activity Without Standing Shellpoint referred the loan to foreclosure without proving they or their claimed investor own the loan. 

New York requires : 1. Proof of note possession 2. Valid, timely assignments 3. Standing before foreclosure is initiated Shellpoint has provided none of this. 

This constitutes a wrongful and unlawful foreclosure attempt. 



Consumer Harm Because Shellpoint refuses to provide legal proof of ownership, I am : Facing wrongful foreclosure Unable to verify who legally owns my mortgage Unable to resolve my account Being charged fees, escrow shortages, and default notices under an investor they can not prove exists Requested CFPB Action I request that the CFPB require Shellpoint to produce : 1. Full chain of title from XXXX 2. The original endorsed note and allonges 3. Custodial history showing lawful transfer 4. Proof the XXXX  XXXX trust legally holds this loan 5. Proof Shellpoint is authorized to service or enforce this loan 6. Suspension of foreclosure until ownership is proven Status This is a serious legal dispute, and I request immediate CFPB review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

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