Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Re : Request for Investigation into Predatory Lending, Wrongful Foreclosure, and Constitutional Violations To Whom It XXXX Concern, I am submitting this letter to formally request a comprehensive investigation into predatory lending practices, wrongful foreclosure, and coordinated abuse of process by XXXX and Shellpoint and their representatives, who have dispossessed me of my homestead property in violation of both state and federal protections. 
In XXXX, my late husband and Iduring a period of severe medical and financial hardshipentered into a Texas XXXX XXXX XXXX governed by XXXX XXXX, XXXX ( a ) ( XXXX ) of the Texas XXXX. Despite being a co-borrower and the spouse of the record owner, I was not permitted to sign the promissory note or the Homestead Affidavit, creating a constitutional defect that rendered the lien void and unfit for foreclosure under XXXX ( c ). 
We faced terminal illness, denial of insurance coverage, and growing arrearsyet all modification efforts from XXXX to XXXX were denied, citing the very constitutional restrictions that had structurally barred any resolution. In XXXX, while actively pursuing a reverse mortgage that would have satisfied the debt in full, XXXX XXXX Shellpoint posted multiple foreclosure noticesincluding sales in XXXX and XXXX XXXX knowing that resolution was within reach. I begged the lender to allow me to get a reverse mortgage both times during the foreclosure process in XXXX and XXXX and they denied both times. The new lender of the reverse mortgage sent documentation indicating that I was in the process of completing a reverse mortgage with them after the appraisal. 
The urgency in fighting for my homestead, I filed XXXX twice. On XX/XX/XXXX, I filed XXXX XXXXXXXX XXXX for the third time and gave timely notice to the lender and its counsel. Despite verbal confirmation that the sale was pulled, the foreclosure was conducted that day. The substitute trustees affidavit falsely stated that no obligor was in XXXX and that all obligors were alivedespite my filing hours earlier and my husbands passing in XXXX. 
The same purchaser who acquired the property at a rescinded XXXX sale was again present at the XXXX foreclosure, suggesting knowledge of prior defects. Defendants knowingly violated the automatic bankruptcy stay, RELIED ON A CONSTITUTIONALLY DEFECTIVE LIEN, and ignored my documented efforts to resolve this matter in good faith. 
Their conduct has caused irreparable harmemotional, financial, and legaland reflects a pattern of predatory lending, abuse of foreclosure procedures, and discrimination against XXXX and vulnerable homeowners. I respectfully request your office to review : - Origination of the loan without spousal consent ( constitutional violation ) - Foreclosure during pending bankruptcy ( violation of 11 U.S.C. 362 ) - False affidavits filed to facilitate unlawful sale - Refusal to mitigate loss despite a viable reverse mortgage - Pattern of coercive legal conduct spanning from XXXX I have maintained detailed documentation and timelines to support every allegation. I ask for your assistance in holding these entities accountable and protecting others from similar abuse. 
Thank you for your attention to this urgent matter. I am available to provide all exhibits upon request.

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