Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am filing this urgent complaint against Shellpoint Mortgage Servicing ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) for egregious violations of federal and XXXX  laws, including RESPA ( 12 U.S.C. 2605 ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my exhaustive legal effortsmultiple Qualified Written Requests ( QWRs ), a pending lawsuit ( XXXX XXXX. XXXX ), and a loan modification application submitted by my authorized representatives, the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX, XXXX ) on XX/XX/XXXX, XXXX persists in deflecting, providing evasive responses, and pushing an illegal foreclosure sale scheduled for XX/XX/XXXX, just days away. I demand immediate CFPB intervention to halt this sale, enforce compliance, and hold Shellpoint accountable for their systemic misconduct. 

Pattern of Violations and Deflection Unanswered QWRs ( RESPA Violations ) : I sent multiple QWRs in recent months ( e.g., XX/XX/XXXX and others, with certified mail receipts available ) requesting the chain of title, Pooling and Servicing Agreement ( PSA ) for the XXXX XXXX Trust, payment history, and corrections for servicing errors ( e.g., inflated {$180000.00} arrears, unapplied payments, and incorrect interest rate hikes from my original 2 % rate ). Shellpoint has failed to acknowledge within 5 business days or respond substantively within 30 business days, as required by 12 C.F.R. 1024.36. Instead, Ive received vague, boilerplate replies ( e.g., 1316 identical responses since XX/XX/XXXX ) or no response at all, exposing Shellpoint to statutory damages of up to {$2000.00} per violation, plus actual damages and attorney fees. 

Supervisors Refusal to Engage ( XXXX  Violation ) : On XX/XX/XXXX, a Shellpoint supervisor refused to discuss my loan or confirm receipt of my loan modification package, deflecting to their attorney, XXXX XXXX ( XXXX XXXX, XXXX ). This violates XXXX XXXX, which mandates a responsive XXXX. Previous XXXX  ( e.g., XXXX XXXX, XXXX XXXX ) have been equally unhelpful, with XXXX admitting to incorrect guidance on a prior notice of default, requiring coaching and corrective feedback ( XX/XX/XXXX ). This pattern of deflection leaves me powerless and facing an imminent foreclosure. 

XXXX XXXX XXXX XXXX XXXX XXXX Violation ) : XXXX XXXX XXXX a complete loan modification package on my behalf on XX/XX/XXXX, yet Shellpoint has not confirmed receipt or paused the foreclosure sale set for XX/XX/XXXX. This constitutes illegal dual-tracking under XXXX XXXX XXXX as Shellpoint continues foreclosure proceedings despite an active loss mitigation review. Their quick denial of a prior application ( XX/XX/XXXX ) without appeal rights further violates XXXX and RESPA, especially given new hardships and documented servicing errors. 

Loan Ownership Disputes ( FDCPA and Standing Issues ) : XXXX XXXX XXXX XXXX XXXX ( XXXX ) provided a written statement denying ownership of my loan and directed me to XXXX XXXX XXXX XXXX XXXX XXXX  as master servicer, but XXXX confirmed they have had no involvement since XXXX. This contradicts Shellpoints claim of authority to foreclose, particularly given a late XXXX assignment to the XXXX XXXX XXXX, which likely violates the XXXX XXXX closing window. Under XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), an invalid assignment nullifies foreclosure standing. Shellpoints refusal to provide the original note, endorsements, or valid assignment violates FDCPA 1692g and undermines their legal authority, risking an illegal foreclosure. 

Deceptive Practices and Coercive Tactics ( UDAAP Violations ) : Shellpoints history of misleading statements ( e.g., conflicting foreclosure postponement claims from representatives like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), unapplied funds, and attempts to collect potentially XXXX debt ( XXXX XXXX ) violate the CFPBs Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) rules and 11 U.S.C. 524. Their boilerplate responses to my unique CFPB complaints ( # XXXX, if active ) and failure to provide requested documents obstruct my ability to defend my home. 

Exhaustive Efforts Ignored I have pursued every legal avenue to resolve this : QWRs and Letters : Multiple QWRs ( e.g., XX/XX/XXXX ) and demand letters ( e.g., XX/XX/XXXX and XXXX, XXXX, certified mail # XXXX and # XXXX ) sent to Shellpoint, with no substantive response. 

Litigation : My lawsuit ( XXXX XXXX. XXXX ) challenges Shellpoints and XXXX  actions, yet they continue to push foreclosure. 

Loss Mitigation : XXXX XXXX and my advocate, XXXX XXXX ( XXXX ), submitted a modification package on XX/XX/XXXX, which Shellpoint refuses to acknowledge.

Regulatory Complaints : Prior CFPB and XXXX  XXXX complaints have yielded only Shellpoints evasive, copy-pasted replies. 

XXXXrect Communication : Calls to Shellpoint ( e.g., XX/XX/XXXX, with the supervisor ) and XXXX  ( confirming no involvement since XXXX ) result in deflection or silence. 

Despite these efforts, Shellpoints tacticsdeflection to attorneys, boilerplate responses, and refusal to engageleave me facing an illegal foreclosure in just 12 days ( XX/XX/XXXX ). Their actions not only violate multiple laws but also threaten my familys home and financial stability.

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