Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
RE : URGENT COMPLAINT SHELLPOINT MORTGAGE SERVICING ( CFPB ID : XXXX ) DEMAND : REOPEN CASE, IMPOSE SANCTIONS & REFER FOR CRIMINAL INVESTIGATION Dear CFPB, I demand immediate intervention regarding Shellpoint Mortgage Servicings ( Shellpoint ) fraudulent response to my original complaint ( ID : XXXX ) and its collusion with Caliber Home Loans ( Caliber ). New evidence proves an enterprise-wide scheme to evade accountability. 

I. SHELLPOINTS NON-RESPONSE : REGULATORY VIOLATIONS Shellpoint submitted a boilerplate letter demanding " name change authorization '' while ignoring all substantive allegations : Accounting Fraud Misapplied payments causing false defaults. 
Violation : RESPA 2605 ( e ) ( 2 ) Illegal Dual-Tracking Advanced foreclosure while reviewing my loan modification.

Violation : Regulation X 1024.41 ( g ) RESPA QWR Violations Failed to respond to Qualified Written Requests. 
Violation : 12 U.S.C. 2605 ( e ) Elder Financial Abuse Targeted unfair practices despite documented vulnerabilities.

Violation : Elder Abuse Prevention Act Shellpoints response is legally invalid : RESPA 2605 ( e ) prohibits demanding authorizations before responding to QWRs.

II. EVIDENCE OF COLLUSION WITH CALIBER The same fraudulent response was submitted by Caliber in a separate complaint ( ID : XXXX ), proving : Identical Template : Same wording, demands, and avoidance tactics.

Shared Deceptive Practices : Both companies used the incorrect name " XXXX '' despite my corrections. 

Enterprise-Wide Fraud : Shellpoint and Caliber operate as a unified entity to : Confuse consumers ( RESPA 2605 ( k ) ), Evade regulatory scrutiny ( Dodd-Frank 1036 ( a ) ( 3 ) ).

This is not incompetenceit is a criminal pattern.

II. UNREBUTTED ALLEGATIONS = ADMISSIONS By refusing to address claims, Shellpoint admits : Payment records can not withstand audit ( proof of accounting fraud ), Dual-tracking occurred ( illegal foreclosure threat ), QWRs were ignored ( willful RESPA breach ). 

DEMANDS FOR ACTION REOPEN & ESCALATE Complaint ID XXXX and require Shellpoint to : Audit and correct payment history within 15 days, Halt foreclosure pending modification review, Respond fully to all QWRs without illegal " authorization '' demands. 

SANCTION SHELLPOINT for : RESPA 2605 ( k ) violations ( pattern of non-compliance ), Elder abuse ( enhanced penalties under 12 U.S.C. 5565 ( c ) ). REFER TO REGULATORS : OCC : Revoke Shellpoints license ( 12 CFR 34 ), FBI : Investigate fraud ( 18 U.S.C. 1341 ), State AG : Prosecute elder targeting.

CONSOLIDATE INVESTIGATION : Subpoena internal communications between Shellpoint/Caliber regarding My loan, Appoint a third-party auditor to review both companies handling of my loan. 

ATTACHMENTS Exhibit A : Shellpoints non-responsive letter ( XX/XX/XXXX ) Exhibit B : Calibers identical response ( from Complaint ID XXXX ) Key Strategic Advantages The Identical Response Trap : " Shellpoint and Calibers use of the same fraudulent template proves coordinated deceptionnot error. '' Elder Abuse Leverage : " Targeting seniors triggers enhanced CFPB penalties and DOJ prosecution. '' Dual-Tracking = Automatic Violation : " Foreclosure during active mod review violates CFPB precedent ( In re : XXXX XXXX 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