Consumer complaint received 2026-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. WE HAVE NOT RECEIVED A RESPONSE. Via Email : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Shellpoint Mortgage Servicing XXXX XXXXXXXX XXXX XXXX, SC XXXX RE : Correspondence Claim # XXXX for Account # XXXX XXXX XXXX Loan Servicing Department : I am writing to you because of a problem with a negative note on my credit report. I would like this to be rescinded for the following reasons. ( See attached ITEM # XXXX Report ) Shellpoint purchased my loan from XXXXXXXX XXXX on XX/XX/XXXX. My last mortgage payment to XXXX XXXX was withdrawn on XX/XX/XXXX from XXXXXXXX XXXX ( See attached ITEM # XXXX XXXXXXXX XXXX Statement ) I received my first mortgage statement from Shellpoint around the XXXX of XX/XX/XXXX. I called customer service to explain I had just received a statement from Shellpoint dated XX/XX/XXXX. I sent a check for my XXXX mortgage payment on the XXXX to the address they gave me which is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. The check was honored ( cleared ) by my bank on XX/XX/XXXX. ( See attached ITEM # XXXX Shellpoint XXXX, ITEM # XXXX XXXX Statement & ITEM # XXXX Copy of Check XXXX ) I sent out my XX/XX/XXXX mortgage payment on XX/XX/XXXX and the check was honored ( cleared ) by my bank on XX/XX/XXXX. ( See attached ITEM # XXXX Copy of Check XXXX & Item # XXXX XXXX Statement ) I received my XXXX statement mailed on the XXXX of XX/XX/XXXX and it stated that my XXXX mortgage payment has not been made yet. However, my bank honored my payment on XX/XX/XXXX. The statement was incorrect. ( See attached ITEM # XXXX XXXX Statement ) I received my XXXX statement mailed on the XXXX of XX/XX/XXXX and it showed my payment due in XX/XX/XXXX was only paid on XX/XX/XXXX, which is incorrect because the statement dated XX/XX/XXXX shows payment on XX/XX/XXXX. This payment was withdrawn from my XXXXXXXX XXXX account on XX/XX/XXXX. The statement dated XX/XX/XXXX shows I was supposed to begin paying in XXXX but I did not receive a statement until late XXXX. I am enclosing a Shellpoint mortgage statement dated XX/XX/XXXX and XXXXXXXX XXXX payment ledger for my loan. ( See attached ITEM # XXXX Shellpoint Statement, ITEM # XXXX XXXXXXXX XXXX Statement & ITEM # XXXX Shellpoint Statement ) You were noting I was late. However, I made all my mortgage payments as I received the statements, which I found to be late, incorrect, and confusing. Therefore, would you please send a letter so I can remove this negative credit reporting against my credit score as soon as possible. Since writing this letter initially to Shellpoint, the only response I have received from Shellpoint is asking for a copy of my credit report, which I sent on XX/XX/XXXX. ( See attached ITEM # XXXX Report ) Since XX/XX/XXXX, the followings have occurred : XXXX. ) Between XXXX XXXX XXXX, I called Shellpoint to follow up on my inquiry of my XXXX XXXX. The customer service person said this type of issue takes XXXX days. However, I had been misinformed previously by customer service that it would be a XXXX business days wait period. XXXX. ) Therefore, with the customer service attendant on the phone with me, we counted out XXXX business days from my initial submittal of XX/XX/XXXX and we both agreed that I would have an answer on XX/XX/XXXX. I never got the answer as discussed on XX/XX/XXXX. XXXX. ) In addition, I was looking over the Final Settlement Statement ( See Attached ITEM # XXXX ) for another issue and I noticed that Shellpoint charged me interests from XXXX, XXXX thru XX/XX/XXXX of {$7200.00} whereas my mortgage payments have already included interest payments. Also, Shellpoint charged me late fees of {$160.00}. I must have this money refunded with interest. If you have any questions, please call me at XXXX. Thank you for your prompt attention to this matter. Thank you, XXXX XXXX XXXX : ITEMS as # and stated in this letter

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