Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
TO : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) SUBJECT : MORTGAGE, VERIFIED COMPLAINT VOID MORTGAGE CONTRACT, FRAUDULENT SECURITIZATION, CONSTITUTIONAL DUE PROCESS VIOLATIONS, FEDERAL AND STATE CONSUMER VIOLATIONS, AND DEMAND FOR COMPLETE INVESTIGATION AND REDRESS PRESENTED BY : Property of interest : XXXX I. INTRODUCTION This verified complaint is presented to the Consumer Financial Protection Bureau ( CFPB ) under lawful authority for immediate administrative enforcement concerning a XXXX XXXX XXXX transaction dated XX/XX/XXXX, which is legally null and void due to failure of lawful consideration, fraudulent assignment, unauthorized securitization, and multiple violations of the United States Constitution ( Amendments XXXX ) and the XXXX XXXXXXXX. 
This instrument was originated by XXXX XXXX XXXX XXXX using no lawful money of account, no tender of actual value, and no contractual legitimacy. The resulting payment stream was unlawfully commingled and securitized into XXXX XXXX XXXX XXXX XXXX without endorsement, assignment, or authority. This scheme involved multiple parties acting in concert to disguise the true nature of the transaction, thereby deceiving the borrower, public record custodians, and financial regulators. 
XXXX XXXX. PARTIES INVOLVED Borrower : Named Lender on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : NewRez LLC, Shellpoint Mortgage Servicing, and any successors Nominee : Mortgage Electronic Registration Systems , Inc. ( MERS ) Trustee on Security Instrument : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Claimed Securitized Trust : XXXX XXXX XXXX XXXX XXXX  Beneficiaries/Certificate Holders : To be identified and investigated XXXX XXXX. VERIFIED FINDINGS XXXX. Origination was unsupported by lawful consideration. 
The XXXX XXXX XXXX symbol used in the Note refers to lawful money, yet XXXX XXXX XXXX  never tendered such. There was no value given, no banking instruments of legal tender, and no exchange of consideration to form a valid contract. 
XXXX. The Note was never legally transferred, endorsed, or assigned. 
XXXX XXXX XXXX XXXX XXXX remains unendorsed. There are no assignments recorded in XXXX XXXX or within any trust custodial file. The Security Instrument identifies XXXX XXXX XXXX as trustee, but contains no reference to Fannie Mae or any trust entity. 
XXXX. The payment stream was fraudulently deposited into XXXX XXXX XXXX XXXX XXXX. 
A sworn affidavit by XXXX XXXX XXXX XXXX, Licensed Private XXXX XXXX XXXX XXXX XXXX XXXX ) confirms that the loan appears in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, the trust never lawfully acquired or recorded the underlying instruments required to collect those payments or claim secured interest. 
XXXX. There is no evidence of a true sale. 
All rights to enforce the Note and Security Instrument would require lawful endorsement and delivery, none of which occurred. This renders the alleged assignment of the payment stream a conversion of property without due course of law. 
XXXX. No party to the trust has legal or equitable standing. 
Because the Note and Security Instrument were never lawfully conveyed, no servicer, trustee, or trust certificate holder may lawfully enforce the lien, collect payments, or initiate foreclosure. 
XXXX XXXX CONSTITUTIONAL VIOLATIONS A. UNITED STATES CONSTITUTION Amendment I Right to Petition for Redress The concealment of securitization obstructed lawful access to redress by obscuring the true party in interest. 
Amendment IV Right Against Unlawful Seizure The conversion of the promissory Note into a securitized payment stream without authority constitutes an unreasonable seizure.

Amendment V Due Process and Takings Clause Property was taken for private financial exploitation without lawful process or just compensation.

Amendment VI Right to Know the Accuser and Nature of the Claim The obscured ownership and hidden trust structure violates my right to confront any alleged party of interest.

Amendment IX Reservation of Rights The right to be free from fraudulent contract conversion and unjust enrichment is retained by the people.

Amendment X Reserved Powers No federal or private entity may exercise undelegated powers, including unlawful securitization and foreclosure outside lawful contract authority. 
XXXX XXXX XXXX Article I, Section XXXX Due Course of Law The deprivation of private property by a party with no recorded interest violates the requirement for legal process. 
Article I, Section XXXX Bill of Rights Inviolate All rights secured under the XXXX XXXXXXXX must remain intact and unviolated by unlawful securitization or administrative foreclosure. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX No home equity loan shall be valid unless strict constitutional requirements are met, including lawful value, disclosure, and recordable authority. This loan fails all elements. 
XXXX XXXX. DEMAND FOR CFPB ENFORCEMENT AND REFERRALS I demand the Consumer Financial Protection Bureau take immediate action to : XXXX. Investigate all parties involved, including XXXX XXXX XXXX, NewRez LLC, Shellpoint, MERS, and XXXX XXXX XXXX XXXX XXXX including all servicers, sub-servicers, trustees, and beneficiaries. 
XXXX. Compel disclosure of the full chain of title and actual holder in due course of the Note and Security Instrument. 
XXXX. Refer the matter to the Internal Revenue Service ( IRS ) for review of unreported capital gains, yield spread premiums, or investment income derived from securitization involving this payment stream, which was never reported to the borrower. 
XXXX. Refer the matter to the Securities and Exchange Commission ( SEC ) for investigation of violations of securities laws, including the sale of unperfected mortgage-backed instruments and false representations to investors. 
XXXX. Enjoin any foreclosure or collection activity by any party until full legal standing is proven and constitutional and statutory compliance is demonstrated. 
XXXX. Sanction and penalize any servicer or entity acting without standing, and nullify any collection efforts performed under color of law or without legal assignment.

7. Order full restitution and return of all payments made under this fraudulent instrument from XX/XX/XXXX to present, as no valid lender or lawful consideration was ever established. 
XXXX. Order a full lien release and quiet title remedy, acknowledging that the lien is void ab initio for failure of consideration and violation of constitutional protections. 
XXXX XXXX CERTIFICATION I, hereby present this complaint under Penalty of Law, affirming that the contents herein are accurate, based on public records, sworn expert testimony, and firsthand knowledge. I reserve all natural rights under the XXXX XXXX XXXX Amendments of the United States Constitution and the XXXX XXXXXXXX, and I demand full and final enforcement of the law in this matter. 


Date : XXXX XXXX XXXX XXXX  ATTACHMENTS : Exhibit : Copy of XXXX XXXX XXXXXXXX Note ( Unendorsed ) Exhibit : Recorded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Exhibit : Sworn Affidavit and notes of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Exhibit : Constitutional and Legal Analysis Violations Summary XXXX  This complaint is lawful, factual, and presented in full preservation of all rights. Let no fraudulent party prosper in deceit. Let the truth restore justice. Let equity prevail.

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