Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Timeline of Alleged Illegal Foreclosure Merged loan servicing et al. deceptively calculated an alleged illegal foreclosure with a not confirm of Successor of Interest for mortgage to be in communication, until the foreclosure reached the alleged Illegal Foreclosure NOTS stage and all dysfunction caused by the merged loan servicing et al. are violations since XX/XX/XXXX to currently. 

Merged loan servicing et al. and current lender intentionally failed to communicate about all legal Lost Mitigation options available to prevent all foreclosure stages, as of XX/XX/XXXX to currently, yet intentionally calculated the now lined-out illegal foreclosure parts of an alleged illegal documented XX/XX/XXXX Mortgage Account Status, in current Dispute to be calculated correctly with expected legal Loss Mitigation options to be in effect for the mortgage matter to be settled. Home mortgage for primary residence began in XXXX at {$98000.00} with interest rate at 8.25 % ; as of XX/XX/XXXX, the outstanding principal balance is at {$49000.00} with maturity year set at XXXX. Monthly payments at {$730.00} and yearly at {$8800.00} with income tax returns filed timely and properly annually ; homeowners insurance coverage renewed and paid separately annually ; and property taxes paid separately. As of XX/XX/XXXX Account Status, In DISPUTE, are the days past due of XXXX ; and past due amount {$22000.00} ( the alleged calculated and documented illegal foreclosure caused by intentional lack of confirm of Successor of Interest for mortgage combined with no legal Loss Mitigation options, in effect to prevent all stages of an illegal foreclosure while dual tracking ). 

On the history records, of the mortgage matter to communicate, being Successor of Interest for mortgage, since XX/XX/XXXX, yet in retrospect now was not confirmed to be in effective and efficient communication by the previous mortgage loan servicing and lender and by the merged loan servicing et al. ( merged XX/XX/XXXX ) and current lender as of XX/XX/XXXX, yet dysfunctional dual tracking occurred. XX/XX/XXXX was record last mortgage payment with online self-service account disabled from accepting payments last year XXXX ; no statements mailed out last year XXXX ; and with the continuous phone messages of required to speak to a representative ( who intentionally did not confirm communication and eventually admitted to the facts by the this years new XXXX who was assigned and with continued dysfunctional phone communication of not settling the mortgage matter effectively and efficiently, yet scheduling of all of the alleged illegal foreclosure stages anyway. 

From XX/XX/XXXX to currently, the merged Loss Mitigation Manager eventually found my filed ID documents, assigned a first XXXX, yet the first XXXX communicated via phone, stated, try not to use those life lines thats like a get out of jail free card ( referring to loss mitigation options ) which set the tone of what type of dysfunctional communication that continued to occur as they added up the alleged illegal foreclosure to all stages and calculated the illegal amounts. At the end of XX/XX/XXXX, experienced a sabotaged account that affected mortgage payments beginning XX/XX/XXXX to currently, with a backlog schedule of at least 6 months to have appealed and won. Began a new employment XX/XX/XXXX, yet called via phone effectively and efficiently, in advance, about having a problem making the XX/XX/XXXX mortgage payment, yet in retrospect now was denied direct legal communication of being confirmed to communicate, in writing, and denied earliest legal loss mitigation options to prevent all stages of the illegal foreclosure. 

The merged loan servicing et al. presented to be causing and calculating the illegal foreclosure stages, then deceptively tried to schedule the illegal NOTS final foreclosure stage, tried to be late with the confirm, in writing, of Successor of Interest for mortgage to be in communication, yet just in time updated to attach the Opt In document to the Mortgage Account Status, XX/XX/XXXX and without validating the mortgage debt within 21 days of the XX/XX/XXXX Loss Mitigation packet being filed with assistance of an HUD approved organization, who helped to file the complete Loss Mitigation packet, XX/XX/XXXX, yet was equally not approved to communicate ( yet is a witness of the wrongful foreclosure process ) while the merged loan servicing et al. continued alleged one-sided, dysfunctional dual tracking about deceptively calculating all stages of the illegal foreclosure stages, as if there was no communication at all, on behalf of the life-changed events recorded at county public records for the Trust property ( all complicated deceptive dysfunction was expected and calculated for the illegally scheduled NOTS final foreclosure stage, yet in retrospect, legally seen through ).

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