Consumer complaint received 2024-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
The company thats causing problems, financial ruin, credit score ruin is Shellpoint Mortgage Servicing.

Im filled with anxiety over this its making me sick. 

In XXXX I was diagnosed with an illness that would require over a year of treatment so my husband and I filed for a forebearance that was approved. My illness lasted longer than that and COVID began so another forebearance was requested and approved. My husband lost his job after this due to COVID and became XXXX, I was still very XXXX  and could not function and the arrangement we made was that he would handle all of our finances. 

Months later something seemed wrong. I could sense it, my husband came home with a new car we should not have been able to afford. 

My health was improving at this time and my functioning was higher, and the first day lace I called was shellpoint. They right away said we were in foreclosure and would be seeking a date to speak with a judge. I was in shock and asked to speak with a manager. I had received no emails nor texts about anything pertaining to this and I was on the mortgage too. The manager confirmed aggressively we were in foreclosure and they were actively attempting to take the house. We were told we had to refinance asap to not lose the house, or pay back over a hundred dollars with 10s of thousands of fees. We refinanced asap and lost our 2 % mortgage rate and went up to 6 percent. This destroyed our finances as our payment went up dramatically. 

I asked for a divorce from my husband. I felt my life was ruined. A year later in XXXX I spoke with a divorce attorney and told her about the mortgage issue as one of the reasons for divorce. She told me it was unlikely we were on divorce and often that company lies to clients to get their money back and there have been incredulous issues with shellpoint. I was shocked. She checked the data base and sure enough no foreclosure. 

I have young children and my health while better is not great and I can not yet return to my former employment. All of this and the mortgage is fraudulently 4 percent higher. 

What my husband did in XXXX was wrong but we WERE NOT in foreclosure and were not given other options, Please help, this is devastating in every way. Further- when I found about this I again requested a forebearance as I wanted to pause the offensive XXXX payment while I did my research. They screwed up my application four times. I sent a written and faxed request for transcripts and received nothing. When I have called Shellpoint they seem uninterested and continue to task me to fix the issue but nothing is ever resolved. Im appalled that a company this derelict, irresponsible and predatory can still exist. I beg you for help. Please. 
Thank you for reading, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

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