Consumer complaint received 2025-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
1. SUMMARY OF THE PROBLEM I am the Trustee of the XXXX XXXX XXXX XXXX XXXX XXXX, the legal title holder of XXXX XXXX XXXX XXXX  Maryland XXXX. Shellpoint Mortgage Servicing/NewRez LLC , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have engaged in unlawful mortgage servicing, foreclosure misconduct, misrepresentation, and violations of federal bankruptcy protections. These actions include the filing of fraudulent and inaccurate foreclosure documents, misaddressed notices, improper substitute trustee actions, and a willful violation of the automatic stay. I am requesting full federal review, record correction, and enforcement action. 

2. DETAILS OF THE ISSUES A. Wrongful and Fraudulent Foreclosure Filings Foreclosure documents filed in XXXX XXXX, Maryland contain incorrect parties, inconsistent owner names, and conflicting beneficiary information. 

Notices were alternately addressed to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, All Occupants This inconsistency shows uncertainty of ownership by the foreclosing parties. 

B. Property Is Held in Trust The property is legally owned by the XXXX XXXX XXXX XXXX XXXX, confirmed by a recorded quitclaim deed ( XXXX ). 

ShellpoinXXXX proceeded as though the trust did not exist. 

C. Securitization & Standing Issues My forensic audit ( XX/XX/XXXX ) confirms the mortgage loan was transferred into the XXXX XXXX trust in a manner inconsistent with proper securitization and compliance timelines. 

The trust documents show no standing to foreclose. 

D. Violation of Bankruptcy Automatic Stay 11 U.S.C. 362 I filed for XXXX XXXX  bankruptcy on XX/XX/XXXX. 
Despite this : XXXX XXXX XXXX and Shellpoint recorded a Trustees Deed on XX/XX/XXXX, well after the bankruptcy filing. 

This was a knowing and willful stay violation. 

I remain in possession of the property. 

E. Misrepresentation by Attorney XXXX XXXX XXXX XXXX XXXX XXXX repeatedly represented himself as a court XXXX. 

He is NOT a court auditor but a private attorney. 

He sent auditor documents to over 30 third parties, including my HOA and even a neighbor, causing reputational harm and privacy invasion. 

F. Credit Reporting Harm Shellpoint/NewRez and XXXX reported inaccurate mortgage information to XXXX XXXX XXXX XXXX. 

Foreclosure data is incorrect, incomplete, and disputed. 

Negative reporting occurred during bankruptcy protection, violating FCRA and Metro 2 compliance standards. 

G. Trust Address and Notice Failures Notices were inconsistently and incorrectly mailed. 

The incoming mail shows Shellpoint and XXXX did not know who the actual legal owner was under Maryland law. 

3. WHAT I AM ASKING THE CFPB TO DO Require Shellpoint/NewRez and XXXX to provide written responses to every issue listed Investigate the post-petition foreclosure deed recording Determine whether ShellpointXXXX complied with federal servicing standards Review whether XXXX XXXX XXXX filed defective or fraudulent foreclosure documents Require correction of all credit reporting errors Require deletion of inaccurate foreclosure data Require confirmation of chain of title, assignments, and servicing authority Review the conduct of XXXX XXXX XXXX for misrepresentation and data disclosure Require the companies to cease foreclosure activity until validity is proven 4. DOCUMENTS I CAN PROVIDE ( UPON REQUEST ) You may upload these separately through the CFPB portal : Recorded Quitclaim Deed naming the trust Forensic Audit by XXXX XXXX ( XX/XX/XXXX ) UCC-1 Filing Lis Pendens filed in XXXX XXXX Foreclosure Bonds Post-petition Trustees Deed ( XX/XX/XXXX ) All letters/notices from Shellpoint, XXXX, and XXXX Bankruptcy filing cover page showing XX/XX/XXXX case date

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