Consumer complaint received 2024-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
Shellpoint have a Fraudulent Escrow Balance that is NOT Accurate, but yet they keep these Fradulent Fees under my Escrow account, escalating my mortgage payment over the amount owed, these fraudulent fees have my escrow payment of over {$600.00} that has never been Itemized for Taxes or Insurance, my complaint to XXXX XXXX XXXX XXXX shellpoint response letter dated XXXX XXXX clearly states Paragraph 3, I dispute a erroneous, False, Fraudulent Escrow, Shellpoint Compliance department XXXX XXXX name on letter, Borrower had no ESCROW SHORTAGE and the Loan was Current when it was transferred From Ditech XXXX XXXX, Yet the Falsified, Fraudulent Escrow is still on my Mortgage statement today when I make undisputed payments on principal and Interest Shellpoint misappreciation of mortgage payment will be held until they get the Full False, Fraudulent payment with Falsified Escrow amount exceeding over {$600.00} that I do NOT owe nor did they Ever Validated per my requested to Itemized, Shellpoint letter to XXXX XXXX XXXX XXXX  said I HAD NO Escrow shortage to Itemize. Yet I am placed in delinquency if I do Not pay the full {$1100.00} monthly with Fraudulent Escrow over {$600.00} which are NOT Taxes and INsurance, they NEVER Itemized my disputed various fees attached to my Loan, only there Words saying my loan goes back to XXXX with Ditech showing fees, Falsified information, my Ditech transfer letter I provided als legal proof this is Fraudulent, clearly states my loan starting XXXX XXXX payment will go to Shellpoint, the XXXX and XX/XX/XXXX payments were made to Ditech, Never showing any Escrow shortage, Shellpoint made up this falsified, Fraudulent fees, who has a XXXX XXXX for XXXX and XXXX this is fraud and shellpoint ignored it even after I file a federal complaint for there Violations, I filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Shellpoint Mortgage Servicing Docke Text : XXXXXXXX XXXX XXXX  returned as of XX/XX/XXXXXXXX XXXX XXXX XXXX 
Shellpoint while under this federal complaint still put my loan into foreclosure XXXX XXXX with Attorney XXXX XXXX XXXX XXXX XXXX, I had to call this Attorney and provide him with the federal case number I filed against shellpoint and it was in the Federal Courts, this attorney confirmed then removed my home from foreclosure as Shellpoint CONTINUED Harassment of me against my loan with Continued Violations of Foreclosure with an OPEN FEDERAL Case against them. 
Shellpoint still continued to place Fraudulent Escrow shortage for me to pay that I do NOT OWE, I do send Shellpoint all letter, legal Federal Case filed, XXXX department of banking Response letter FROM SHELLPOINT COMPLIANCE Department with XXXX XXXX name at the bottom of letter, Shellpoint IGNORE all Legal documents I continue send with Violations of federal and State Laws, misappropriation of my payments undisputed not including Fraudulent Escrow, they keep the payment until it will total the falsified Escrow over {$1100.00} a month for the mortgage payments, Fraudulent, False Fees, I have sent Shellpoint My Federal Case that was filed against them, yet they keep moving in a Fraudulent manner, keep saying I am researching, keep sending me the same letter they are researching but it will take time due to the complexity, Yet Shellpoint Never do anything just keep adding Fraudulent fees, attorney fees, inspection fees, fraudulent foreclosure fees while I have file federal case in court they still charged me attorney fees on my loan! Shellpoint received information I have been going through this for years, and YET Shellpoint has no RESPECT for FOLLOWING the LAWS as it pertains to ETHICAL Business Practices, Shellpoint has NO INTEREST in following the Federal and State LAWS! they Bully Homeowners to Pay What is NOT owed, they keep Fraudulent fees on my loan when Shellpoint them selves proved I had no Escrow Shortage! shellpoint caused me to file bankruptcy in the past with these FALSIFIED FEES, My Attorney in my Bankruptcy previous ask in the Court filing that Shellpoint Itemize the Fraudulent, False Escrow shortage on the PROOF of CLAIM they NEVER DID Confirm, Itemized the XXXX of the Falsified, Fraudulent Escrow Shortage reported, all of this was EXHIBITS I submitted to the courts to show continued Violations of the now Proof of Claim, when My loan was current with a Modification approved by the Courts for shellpoint, my Attorney refiled the Bankruptcy excluding Shellpoint due to Modification approved by the court, when my Attorney refiled, shellpoint turned around and submitted I owe {$20000.00}, when Shellpoint Loan was Current and Modified. shellpoint take no responsibility for there ILLEGAL, FRAUDULENT, ERRONEOUS, UNETHICAL Business Practices, completely in VIOLATIONS of my LEGAL RIGHTS! 

Today, I have been speaking with Shellpoint and I continue to dispute the Falsified, Illegal, Fraudulent Escrow payment, along with other legal fees, inspection fees, erroneous foreclosure fees, placed on my mortgage loan, I have a balance of under {$65000.00} owed and Shellpoint Misappropriation of my undisputed principal and interest caused my loan to become delinquent with fraudulent fees, NEVER ITEMIZED!! just letters of falsified information stating it came from Ditech with a ESCROW Negative, so Falsified, and Fraudulent. 

I have supporting documents and provided them to Shellpoint as they continue to ignore and keep illegal fees on my loan that is NEVER VALIDATED, Just words on what they say happened, I even have the letter I sent to them dated XXXX XXXX Dispute of the Illegal, Fraudulent Fees. 

Shellpoint Response Letter XXXX XXXX Paragraph XXXX, letter response to my complaint, shellpoint mortgage began servicing my loan XXXX XXXX ( I agree ) Paragraph XXXX, Reviewing the records of the account the Escrow balance has not been Positive since prior XX/XX/XXXX, FALSE Loan was Transferred from Ditech XXXX XXXX without any deliquenties, on XXXX XXXX Shellpoint completed an updated escrow analysis, while there is a current escrow negative balance of {$16000.00}. the required escrow balance is calculated based on anticipation disbursements!! as well as required cushion and when the disbursement is made on Bills!! BILLS? 
There are two options provided to pay the shortage back.

a. make a one time payment of {$17000.00} the monthly payment would be {$830.00} beginning XXXX XXXX or b. pay through increase Escrow Shortage! All Falsified, Fraudulent, Ditech Loan from XXXX this is LUDACRIS and FRAUD! 

as of XXXX XXXX I am do for XXXX payments and I have continued to dispute the Fraudulent Modification Shellpoint wanted me to pay with Large Falsified Escrow amount of - {$19000.00}, I told Shellpoint I was approved for the HAF State program to bring Loan Current But the XXXX XXXX XXXX Underwriters had to get my last 3 months statement, once the HAF counselor review the statements they will NOT pay this current knowing NO ESCROW should be this high, I sent the HAF State homeowners assistant every document, including the Federal Case I filed showing I know this is Illegal and Fraudulent. HAF State program indicated that Shellpoint need to correct this Violations of the Laws as it pertains to my mortgage Loan, and HAF Can NOT bring my loan current for these XXXX XXXX XX/XX/XXXX payments with a Erroneous, Fraudulent Escrow over {$19000.00} the escrow payment is fraudulent and it is included as my past due owed to shellpoint. XXXX XXXX I told shellpoint that I was approved to bring loan Current, But HAF Will Not pay these Fraudulent, False Escrow and that Shellpoint need to REMOVE fees, and or ITEMIZE how can TAXES and INSURANCE be {$19000.00}. My processor with the HAF State program stated XXXX XXXX you are APPROVED but Shellpoint must remove the Falsified Escrow balance, she calculated my insurance with State Farm XXXX, and my XXXX XXXX Taxes of {$2400.00} yearly and it will NEVER be {$19000.00}. I was also provided with information showing Shellpoint/Newrez have had a class action lawsuit settlement for these same kind of violations in various states. 
I would like to bring my loan Current, and also working with a company to help me pay off shellpoint but not under these Fradulent fees. NO ONE will assist in paying Fraudulent, Falsified, Erroneous FEES. 

XX/XX/XXXX, I was diagnosed with XXXX XXXX, with an XXXX  XXXX to follow immediately, being that I filed the case XXXX in federal court, I called the Courts and informed them I could No Longer run to the courts to file response, etc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to show Cause it read On XXXX XXXX Plaintiff XXXX XXXX asked the court to dismiss her case due to fading XXXX XXXX XXXX XXXX  Needs : Notice ( XXXX ) she said she was recently diagnosed with XXXX and need to focus on her medical issues. 
THIS WAS IN MY COURT FILE FROM THE Judge. 

XXXX XXXX Shellpoint Attorney XXXXXXXX XXXX XXXX XXXX XXXX XXXX Letter to me : Stated I am in receipt of your dismissal of the above -reference litigation, My firm will now close its file for this litigation. Going forward, please contact Shellpoint directly with questions you may have about your account.

I have expedited ALL of this communication since to Shellpoint But they seem to be Oblivious to Following the Laws, as of XXXX XXXX Shellpoint Are still in VIOLATIONS with a CONTINUED FRAUDULENT Balance and Escrow NEVER ITEMIZED from DAY ONE of the Request! I have sent Legal case filed, shellpoint foreclosure attorney filing foreclosure XXXX XXXX letter from XXXX XXXX XXXX on foreclosure, while in a Court case against Shellpoint. 
Shellpoint sent me an Payoff Good through XXXX XXXX with Illegal, Fraudulent Fees, as I ask to remove the fraudulent fees so that I can GET further Mortgage Assistance from the HAF state program, and or get the PAYOFF without dispute Legal fees that were fraudulent, false, inspection fees, proof of claim fees, all falsified fees. 

I am asking Shellpoint to STOP the BULLING on my Loan as I am Now XXXX XXXX XXXX XXXX XXXXXXXX, etc I just WANT OUT with dealing with Shellpoint, this has caused continued STRESS as I told Shellpoint, MY XXXX XXXXXXXX XXXX XXXX when I see my XXXX XXXX  and I can NOT get the treatment until my XXXX XXXX go down, I am always stressed behind How Shellpoint Violations on my Loan and STRESSED on losing my home with Shellpoint Illegal, Unethical, Fraudulent business practicing as it pertains to my Loan. 

Please STOP Shellpoint from these Continued Fraudulent, Falsified, Unethical Servicing on my Loan, I want to get this current with the Help of the HAF state approval but they will NOT help knowing this is Illegal, Fraudulent amounts Shellpoint are DEMADEING from me.

NOTE : I have ALL supporting documents to provide to you as I have also to shellpoint they ignored even there own information, on shellpoint letterhead from the compliance department XXXX XXXX, I remain concerned as Shellpoint are looking to Put me in another Fraudulent Foreclosure being I am due for XXXX XXXX XXXX false payments amounts, and they ignored removing so that I can move forward with the HAF State homeowner assistance and or my son working to help me get Shellpoint paid off, to Stop Shellpoint from Fraudulent, False Fees on my loan. 

Thank you XXXX XXXX XXXX

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