Consumer complaint received 2024-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX Shell Point Mortgage XXXX XXXX XXXX XXXX, SC XXXX Re : Account Number XXXX - Request for Debt Validation Dear SHELLPOINT MORTGAGE, A DIVISION OF NEWREZ, I have already disputed this debt within the legal time frame in writing, regardless of the fact you have chosen to ignore me, by one not acknowledging receipt of my claim. Again, by choosing to selectively response and or omit pertinent questions I may have requested information regarding, within my written Notice of Error / Information Request in addition to the recent CFPB communications regarding the above-referenced account. According to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby request validation of the alleged debt.

Please provide the following documentation to substantiate your claim : Proof of any and all Any and all Notice of assignment, Any and all Deed of assignment to include all recordings of such with the county plat book and page number : Evidencing the original creditor 's assignment of the debt to your agency, as required for standing to sue under Lavallee v. Med-1 Solutions , LLC, 932 F.3d 1049 ( 7th Cir. 2019 ).

Original Credit Agreement : Any and all original or certified copy of credit agreement with my signature ( Not a reconstituted template ) The original credit agreement with my signature, per Speleos v. BAC Home Loans Servicing, LP, 755 F.3d 20 ( 1st Cir. 2014 ), emphasizing the necessity of original creditor documentation for debt validation.

Detailed Account Ledger : Any and all / Full accounting as proof that GAP has been followed. A complete and detailed ledger of the account from inception, showing all charges, payments, and adjustments, as transparency in debt collection is paramount under Transparency Int'l v. Ferguson , 200 F. Supp. 3d 76 ( D.D.C. 2016 ).

Compliance Certification : Certification that your collection activities are in full compliance with the FDCPA and any applicable state laws, in line with Jerman v. Carlisle, McNellie, Rini, Kramer & Ulrich LPA, 559 U.S. 573 ( 2010 ), which held that the FDCPA applies to legal pleadings made in debt collection lawsuits.

Finally, kindly provide any and all names, physical addresses, email addresses and pertinent contact information for any and all MLOs/ representatives for each and every bank ( s ) as required by law, commencing from the time XXXX sold/ transferred the loan to XXXX & XXXX who took possession of the loan as a servicer, owner or otherwise. Clearly delineated, each change including the dates, and each and everyone 's role as a servicer, owner or otherwise. Moreover, expressly include the dates & amounts you are claimed owed for each and every custodian ( bank or servicer or otherwise ) prior to each and every transfer. Also, including but not limited to any and all documentation substantiating each outside of the ordinary / standard mortgage payment charge, including every such balance that the bank ( XXXX ) claim owed them. Finally include any and all escrow statements, substantiating any and all money you claim owed you for each and every year, commencing from the time XXXX sold or transferred the loan to XXXX & XXXX who took possession of the loan as a servicer to present, whereby owner or otherwise. 



Failure to provide the requested documentation within 30 days from receipt of this letter will result in my assumption that the debt is not valid. As per the, I request that all collection attempts cease until such validation is provided. Additionally, please ensure no negative reporting is made to the credit bureaus during this validation period, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ).

If you are claiming that you have the legal right and title to collect any payments for this alleged debt? Please send the appropriate certified documents to evidence this in your reply. This request is made with the expectation of your full compliance under the law, to ensure an accurate and fair process in resolving any legitimate debt obligations. 



I appreciate your prompt attention to this matter and expect your response within the stipulated timeframe. 



Sincerely, XXXX XXXX

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