Consumer complaint received 2024-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Dear CFPB Representative, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding a matter involving the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692i, which addresses the venue requirements for legal actions concerning debt collection. I believe this situation may require further investigation to ensure compliance with federal law and consumer protections.

Summary of the Issue I have reason to believe that a debt collection a
gency or third-party collector may have taken or is threatening to take legal action, foreclosure, against me ( or a related party ) in a venue that does not comply with the provisions set forth under 15 U.S.C. 1692i.

As you are aware, this section requires that any legal action on a debt must be brought : 1. In the judicial district or similar legal jurisdiction in which the consumer resides, or 2. In the judicial district or similar legal jurisdiction where the consumer signed the contract underlying the debt.

In my case, the venue in question appears to be inconsistent with these statutory requirements, raising concerns about potential violations of my rights under the FDCPA.

Request for Review and Assistance I respectfully request the CFPBs assistance in reviewing this matter to ensure compliance with 15 U.S.C. 1692i and to protect my rights as a consumer. I ask that the CFPB contact the relevant parties and take appropriate action to enforce the law. 

Additionally, I formally request a copy of the Promissory Note with the original wet signature. 

I also request an investigation into NewRez LLC. They violated my privacy by sending a letter of default to my rental property, where my tenant intercepted the letter. As a result, my tenant has experienced anxiety, fearing they may need to vacate the property. NewRez LLC was never authorized to send correspondence to that address ; I had provided a post office box as my designated mailing address, which they had been using without issue. This recent action appears to be a deliberate intimidation tactic. 

Due to the breach of privacy and the resulting emotional distress, I am seeking compensation for the harm caused by NewRez LLCs actions. Additionally, I am requesting : Set-off of the loan balance, as it is overdue for exoneration. 
Investigation into improper force-placed insurance. 
Recognition of my investment in the property and assertion of my equitable interest. 

Conclusion I appreciate your prompt attention to this matter. Please let me know if further information or documentation is required to assist in your investigation. I look forward to your timely response and a fair resolution. 

I appreciate your attention to this matter. Please let me know if further information or documentation is required to assist in the investigation. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

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