Consumer complaint received 2026-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Hello this has being ingoing since my fathers death and the closing of his estate. I'm his daughter and soul beneficiary, this is how I acquired this home " title only ''. I applied for " save the dream funds '' and hired a legal aide attorney for the first foreclosure in which the lawyer paid the foreclosure after i filled out a XXXX XXXX XXXX XXXX XXXX XXXX to the previous lender/servicer XXXX bank. In which was took the funding along with 6 months of payments afterwards and raised the payments almost {$300.00} during the time the gov funding was paying without a renegotiated terms. Then when I did not get a modification answer and contacted the attorney, he no longer worked for legal aide and I refiled to get a new attorney I was denied and now facing a immediate second foreclosure I had to represent myself, during this time I was denied the ability to submit testimony or documented papers as evidence to support my case by the magistrate, I made an objection to her findings for due process rights of the XXXX and XXXX amendment, I made it to the municipal court room if XXXX XXXX and without legal counsel I felt pressured to agree to sell however XXXX XXXX never took the stand or made a proper ruling and no court reporter the last court date was XX/XX/XXXX. I had it listed to sell with an XXXX and posted online with XXXX. Afterwords I agreed to a contract with a buyer and had an inspection on XXXX, XXXX, XXXX, it passed and I had an appraisal and it was fine in the month of XX/XX/XXXX a payoff was sent to myself and my realtor. Sometime around XXXX or XXXX I got papers in the mail from a mortgage company, I attempted to contact them and they would not speak with me. I assumed it was a scam due to the fact I had already decided to sell and it was ready to close but after several attempts by myself and my realtor including the title company the lawyer group for XXXX bank was not returning our calls. Now we are behind on the contract and after contacting XXXX bank I was told the did sell the servicing of the loan. I then attempted again to contact the new mortgage servicer, which is also a debt collector using to different names to collect the same information which does not feel fair, it feels like a trick, however they also would not speak to me concerning the payoff due to the mortgage being in my deceased father 's name stating that i need to send in documents to become successor in interest, also stating for me to send in the titled information, however i had already been through this and i believe it is there responsibility to have the correct chain if documents in order to even collect the mortgage from the homeowner. I believe almost everything that has been going on in this case are almost exactly what has been done in the XXXX mortgage crisis and I have been completely appalled by the way i have been treated by all parties without a proper counsel to represent me and I have done all i know how but this is absolutely illegal and against my rights and im ready to take this to the supreme courts, because now the buyers have backed our and i still dont have a payoff and im sure that there are many more fees and absurd amounts including insurance the bank added and my home is about to be in a foreclosure auction and I will be left homeless! Can someone please do something immidiatly!!!!

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