Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
NOTICE OF ERROR/DISPUTE CHANGE IN FINANCIAL CIRCUMSTANCES DUAL TRACKING VIOLATIONS To Whom This May Concern : I am requesting that theXX/XX/XXXXXX/XX/2019 sale date be cancelled. I have had my documents in review for some time now and still have not received anything in the mail except that Shellpoint is working on it. Along with other requests I have made. As of today, XX/XX/2019 I have NOT had a response back on the review and yet, I still have a Friday, XX/XX/XXXX sale date hanging over my head. I am very concerned that Shellpoint is using this DUAL TRACKING illegal activity in order to deny me at the last minute in order to steal my property by their deceptive, unfair practices. I was told by my single point of contact, XXXX, that because of the Dispute Status and my documents being in review that he was going to place the sale date on hold and I requested it be postponed or cancelled due to the time restrictions. 

If I am denied a modification, I am requesting a breakdown of all information used to come to this conclusion, as I have a right as a homeowner to review and dispute any erroneous choices Shellpoint may have used to come to their conclusions. I say this from my past experience, since the last review Shellpoint conveniently added 3 properties I do not own, and did not take into consideration that I had properties in a Trial Plan that did not reflect yet on mortgage statements which they chose to use instead and ignore this fact. I have since sent in new, updated financials to which I more than qualify for a modification therefore, if denied again, I am requesting the details of how Shellpoint came to their conclusion, as I believe they are stringing me along, violating Dual-Tracking laws in order to keep me at bay until a few days before the XX/XX/XXXX sale date, steal my property and leave me with no recourse. I do not trust this kind of deception and unfair business practice and am protecting myself legally for a lawsuit should Shellpoint decide to continue this course of illegal action. My attorneys have filed a Lis Pendens purposely in response to their previous behavior and we are ready to move forward if need be. 
I am a single woman and a XXXX year old senior citizen trying to take care of myself financially and I feel Shellpoint and XXXX XXXX XXXX XXXX is treating me unfairly, and are being deceptive in their activities and should be held accountable for their actions. How is it that I have qualified for 4 other modifications on my properties yet Shellpoint, through their erroneous review can not seem to give me a modification? Also, Shellpoint mentioned that they sent me a modification in the mail in the past? If so, I have never received it! Obviously, my actions are in order to get a modification so why would I have ignored a modified, lower payment/principal/interest rate loan if provided to me? I am requesting that whatever modification Shellpoint is speaking of that they offered me be sent to me, as I have never received it. Obviously, since Shellpoint is stating they offered me a modification in the past I must have qualified, so I am requesting that this be mailed to me in order to accept it. 

Thank you for your kind attention to this matter.

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