Consumer complaint received 2025-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint/NewRez Misconduct and Incorrect Credit Reporting I am submitting this complaint to request immediate CFPB intervention regarding Shellpoint Mortgage Servicing/NewRez LLC due to ongoing misconduct, harassment, fraudulent misrepresentation, and improper credit reporting. This account is currently in active litigation in XXXX XXXX Superior Court for servicing malpractice, fraud, and negligence, yet Shellpoint continues to violate multiple federal laws, including the FDCPA, FCRA, RESPA, and state consumer protection statutes.

1. Improper and Incorrect Credit Reporting Shellpoint has continuously and knowingly reported false derogatory information to the credit bureaus on a loan that is : Under active litigation, and therefore should not be reported as a valid debt in default.

Subject to verified disputes ( over 60 individual disputes filed with all three credit bureaus ). 

Already disputed with CFPB once previously, with no corrective action taken by Shellpoint. 

Disputed formally by my attorney, who sent Shellpoint and the CFPB a written dispute letter. We have received no response from Shellpoint acknowledging or correcting the reporting. 


Despite receiving repeated disputes and notices from myself, my attorney, and the court, Shellpoint continues to report : Delinquencies that are not legally valid. 

A foreclosure status they have no legal standing to initiate. 

Ongoing negative marks without investigating or responding to any disputes. 


This constitutes willful and reckless violation of the Fair Credit Reporting Act ( FCRA ).

2. Improper Foreclosure Actions During Active Litigation Shellpoint/NewRez attempted to serve me foreclosure paperwork while the loan is actively being litigated in XXXX XXXX Superior Court for fraud and malpractice related directly to their servicing actions. 

Serving foreclosure notices during ongoing litigation is : A violation of due process. 

A violation of RESPA loss mitigation rules. 

A retaliatory and coercive action intended to pressure or intimidate me into abandoning litigation. 


This is now documented in the court record. 

3. Providing Fake Attorney Information / Misrepresentation Shellpoint provided my attorney with the name and contact information of a supposed attorney representing NewRez/Shellpoint.

Upon investigation, my attorney discovered that : This attorney does NOT represent Shellpoint or NewRez in any capacity.

The provided contact information was false.

Shellpoint knowingly misrepresented legal counsel to obstruct communication and delay resolution.

This is a serious act of fraudulent misrepresentation, intended to interfere with ongoing legal proceedings and prevent proper legal correspondence.

4. Harassment and Harmful Communication Practices Shellpoint has repeatedly violated the FDCPA by engaging in : Continuous phone calls to me and to members of my family at all hours of the day and night.

Repetitive letters and notices ignoring litigation status.

Contact after being told I am represented by counsel.

Contact after being informed the debt is disputed.

They have intentionally disregarded : Notices from my attorney, Written cease-and-desist instructions, Legal restrictions related to accounts in litigation.

5. Refusal to Acknowledge Litigation or Provide Required Documentation Despite being notified multiple times that this matter is part of an active Superior Court case, Shellpoint continues to : Ignore all litigation updates, Send inaccurate statements, Demand payment on a disputed, fraudulent loan, Refuse to freeze reporting or collections, Fail to provide required documentation under RESPA and FCRA. 


6. Prior CFPB Complaint Ignored A prior CFPB complaint was submitted, and my attorney also sent formal correspondence to the CFPB and to Shellpoint. Shellpoint never responded appropriately and continued their misconduct.

I am resubmitting that letter again today along with this updated statement.

-- - Requested Relief I am requesting the CFPB to take the following actions immediately : 1. Order Shellpoint/NewRez to cease all collection and foreclosure activity pending the outcome of the active litigation.

2. Order Shellpoint to correct and remove all inaccurate negative credit reporting related to this disputed and litigated account.

3. Investigate Shellpoints fraudulent misrepresentation regarding legal counsel.

4. Investigate Shellpoints harassment practices, including calling family members and making contact outside allowed hours.

5. Require Shellpoint to acknowledge the active XXXX XXXX Superior Court litigation and comply with all legal requirements for disputed debts.

6. Require Shellpoint to provide full and complete servicing records, call logs, and correspondence logs for the CFPBs review.

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