Consumer complaint received 2025-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing 's Pattern of Identical, Non-Responsive Replies Subject : Formal Complaint Against Shellpoint Mortgage Servicing for RESPA, FDCPA, and XXXX XXXX Violations, Including Identical Responses to XXXX Distinct CFPB Complaints Request for Investigation, Enforcement, and Halt of Foreclosure Sale Scheduled for XX/XX/XXXX Dear CFPB Complaint Team, I am filing this formal complaint against Shellpoint Mortgage Servicing ( Shellpoint ) for their predatory servicing practices on my mortgage loan ( Account XXXX XXXXXXXX, Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and their egregious handling of XXXX separate CFPB complaints. Despite each complaint raising unique issuessuch as debt validation, fee breakdowns, payment applications, and loss mitigationShellpoint has responded with the exact same generic, copy-pasted letter dated XX/XX/XXXX, across all, including XXXX pages of redundant documents. This pattern demonstrates a lack of good faith, violates RESPA 's requirement for substantive responses ( XXXX C.F.R. XXXX ), and exacerbates ongoing violations of federal and state laws, putting my home at risk of wrongful foreclosure on XX/XX/XXXX. 
Details of Violations and Pattern of Non-Compliance : Identical Responses to Distinct Complaints : Shellpoint 's boilerplate replies lump all issues together without addressing specifics, such as my requests for chain of title, servicing notes, or recorded calls ( e.g., with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. This evasion tactic, repeated XXXX times, ignores CFPB guidelines for tailored resolutions and shows contempt for the process. Complaint Nos. : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
RESPA Violations ( 12 U.S.C. 2605 ) : My XX/XX/XXXX, XXXX ( received XX/XX/XXXX ) was met with delays beyond XXXX acknowledgment and XXXX substantive response timelines. Responses omit key items like full loan history, itemized fees ( e.g., late fees, attorney fees, BPOs, inspections XXXX bankruptcy discharge ), and payment evidence, hindering debt verification. 
FDCPA and Bankruptcy Discharge Violations ( 15 U.S.C. 1692, 11 U.S.C. 524 ) : Shellpoint claims lien-only enforcement but sends coercive billing statements and assesses fees on discharged debt from my XXXX XXXX XXXX bankruptcy. They ignore cease-and-desist demands, violating XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX et seq. ). Precedents like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) confirm this as illegal collection. 
Illegal Dual-Tracking ( XXXX C.F.R. XXXX ) : Despite unresolved QWRs and loss mitigation applications ( XX/XX/XXXX submission, XX/XX/XXXX repayment plan ), foreclosure proceeds, ignoring my payments and appeals. Cases like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) highlight liability. 
Irrelevant and Overwhelming Documentation : XXXX pages of duplicates ( prior letters, generic forms ) obfuscate rather than resolve, breaching RESPA 's targeted response rule ( 12 C.F.R. XXXX ). 
Systemic Pattern : Shellpoint 's high CFPB complaint volume ( over XXXX in XXXX, surges in XXXX ) and lawsuits ( e.g., zombie mortgages, misleading statements ) indicate this is not isolated but a business model evading accountability. 

Harms Suffered : Credit damage, emotional distress, defense costs, and threat of wrongful foreclosure, warranting compensation under California law ( XXXX. XXXX. XXXX XXXX et seq. )

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