Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Mortgage Data Integrity & Identity Misattribution Complaint Complainant Statement I am submitting this complaint regarding the continued mismanagement of maintenance, transmission, and reliance on unverifiable mortgage-related data associated with my identity. Entities Involved : NewRez LLC ( Shellpoint Mortgage Servicing ) Specialized Loan Servicing ( XXXX ) XXXX XXXX XXXX Georgia XXXX Bank XXXX Bank ( Trustee ) Mortgage Electronic Registration Systems ( MERS ) Property & Context : XXXX XXXX XXXX XXXX XXXX, GA ( XXXX XXXX ) Loan activity spans from XXXX to present, including refinance activity in XXXX and multiple servicing and securitization transfers. XXXX XXXX : A mortgage servicer ( NewRez ) has asserted that I submitted a mortgage application associated with this property. However : I am not listed as a borrower on any recorded Security Deed I do not appear in MERS records associated with the loan No mortgage application ( Form XXXX or otherwise ) has been produced The servicer claims the data was inherited from prior entities The servicer has treated the matter as closed while providing varying explanations Authorization & Contradiction : A written authorization signed by the borrower was submitted to NewRez identifying me in connection with this loan. Despite this, NewRez has stated both that I submitted a mortgage application and that I am not an authorized party, while failing to produce any application or supporting documentation. This creates a direct inconsistency in how my identity is being represented and handled within their systems. Critical Concern : This indicates that unverifiable or improperly attributed personal data is being maintained and transmitted across multiple licensed mortgage entities. XXXX XXXX : I am unable to safely engage directly with XXXX Georgia XXXX Bank due to prior hostile interactions and request that all communication with this entity be handled through regulators. Timeline Analysis : XXXX Original loan XXXX Refinance ( XXXX Georgia XXXX Bank ) ( possible application origin ) XXXX Replacement loan XXXX Likely servicing transfer or data migration event XXXX Securitization / trust transfer XXXX Servicer onboarding to NewRez XXXX Shellpoint XXXX Additional assignment activity Key Analytical Finding : References to XXXX, XXXX, and XXXX suggest that my identity XXXX have been introduced or propagated during servicing transfers, onboarding processes, or data migrations rather than through a legitimate mortgage application. Requests for Investigation : Produce any mortgage application associated with my identity Identify the originating source of such data Provide the full chain of data transfer between entities Confirm whether any entity processed or retained an application in my name Identify whether data was introduced during servicing transfers or onboarding events Correct or remove any unverifiable records Regulatory Concerns : Data accuracy failures Improper servicing data practices Identity misattribution Failure to maintain verifiable documentation Final Statement : I request coordinated regulatory review and that this complaint be associated with all relevant NMLS records. I further request that regulators require formal documentation or correction of any unverifiable data.

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