Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My home is in foreclosure  with Shell Point Mortgage. I am being harassed and intimidated every month by people sent to my home by Shell Point. 

On XX/XX/XXXX A man was sent to my home from the mortgage company. 
He forcefully banged on my door. 
Ignoring to use the oversized camera doorbell. 
He startled me and disturbed the quiet enjoyment of my home. 
He took pictures through the windows of my home. 
He peeked through windows into my home. 
The man took pictures of me, inside my home. 
I became XXXX I felt intimidated I felt threatened His actions caused XXXX XXXXXXXX which triggered my XXXX His actions caused XXXX XXXX with flaring of my XXXX XXXX He violated my right to solitude within my own home He violated my right to privacy The man wore no identification nor offered identification. 

The man yelled loud enough for the neighbors to hear from the mortgage company. 
*Violating the Fair Debt Collection Practices Act ( FDCPA ) and other Privacy Laws. 

I notified Shellpoint mortgage via email, not to send that man nor any other individual to my home again. 

Shell Point Mortgage acknowledge, via email, the receipt of my email and of sending the man to my home. XX/XX/XXXX Email. 

On XX/XX/XXXX The same man was sent, again, to my home on XX/XX/XXXX. 
*Violating the Fair Debt Collection Practices Act ( FDCPA ) and other Communication Laws. 

He forcefully banged on my door. 
Again, ignoring the oversized camera doorbell. 
He startled me and disturbed the quiet enjoyment of my home. 
I became anxious I felt intimidated I felt threatened His actions caused XXXX XXXX which triggered my XXXX His actions caused physical distress with flaring of my XXXX XXXX  He violated my right to solitude within my own home He violated my right to privacy On this occasion, he spoke with third party, a neighbor. 
*May have violated the Fair Debt Collection Practices Act ( FDCPA ) and other Privacy Laws. 

I notified Shellpoint mortgage via email, a second time, not to send that man nor any other individual to my home again. 

Shell Point Mortgage acknowledge, via email, the receipt of my email and of sending the man to my home. XX/XX/XXXX Email. 


Today on XX/XX/XXXX A woman came to my door. She stated she was sent by Shell Point Mortgage to tell me call Shell Point. This lady wore no identification, and did not acknowledge who she was specifically. She videoed me while I was in my home. 

I called Shell Point Mortgage and the representative solicited me to agree to a loan modification plan. Which I believe violates XXXX XXXX XXXX : XXXX modification. 
( 1 ) PROHIBITED ACTS.When offering or providing loan modification services, a loan originator, mortgage broker, or mortgage lender may not : ( a ) Engage in or initiate loan modification services without first executing a written agreement for loan modification services with the borrower ; ( b ) Execute a loan modification without the consent of the borrower after the borrower is made aware of each modified term; or ( c ) Solicit, charge, receive, or attempt to collect or secure payment, directly or indirectly, for loan modification services before completing or performing all services included in the agreement for loan modification services. A fee may be charged only if the loan modification results in a material benefit to the borrower. The commission may adopt rules to provide guidance on what constitutes a material benefit to the borrower. 

Also during the phone call, I requested that Shell Point Mortgage to not send another person to my door for ANY reason. That it distresses me and that Shell Point Mortgage has my phone number, my email address and my home address for ALL and ANY correspondence. The representative stated that I would continue to have people come to my door until I agree to a loan modification program. The actions and statements from Shell Point Mortgage are illegal and they are harassing, threatening and intimidating me.

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