Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I, XXXX XXXX, am submitting this letter to formally request a full investigation into the financial practices of NEWREZ LLC dba SHELLPOINT MORTGAGE SERVICING, their affiliates, and XXXX XXXX XXXX, particularly regarding the handling of security interests granted within contractual agreements, the validity of these contracts according to the Rules of contract set by the UCC, as well as the financial implications for consumers, including myself NewRez LLC dba Shellpoint Mortgage Servicing and the attorney 's representing them XXXX XXXX XXXX, XXXX XXXX XXXX, have been pursuing foreclosure AND also seeking remedy outside of this court case. I have 11 months of letters and statements/ bills/remittance coupons to prove this This is an illegal process known as DUAL TRACKING. 

Due to my lack of experience in these matters, I waited in good faith for those 11 months for proof of debt from NEWREZ LLC dba SHELLPOINT MORTGAGE SERVICING. 

Meanwhile, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX were pursuing foreclosure proceedings and have received a writ of execution to foreclose, and a tax sale scheduled for XX/XX/year>. 

I have contested this with the court and provided NEWREZ LLC dba SHELLPOINT MORTGAGE SERVICING along with XXXX XXXX XXXX the attorney representing, and the court with the following : 1 ) the original note, with my MY wet ink signature, marked PAID from a 3rd party financial institution.

2 ) the original mortgage, with my MY wet ink signature, marked paid from a 3rd party financial institution 3 ) original balanced ledger of debits and credits of this loan, IN MY NAME, from title company 4 ) Satisfaction letter of original loan from 3rd party financial institution, IN MY NAME, with wet ink signature.

5 ) Original DEBT INSTRUMENT used to access MY CREDIT 6 ) Signature name affidavit 7 ) Claim of Minor Estate and SSN 8 ) Public Notice of Corrections 9 ) Reconveyance of rights, title and interest to private express family trust I DO NOT HAVE ANY CONTRACT WITH NEWREZ LLC dba SHELLPOINT MORTGAGE SERVICING as defined by the UCC RULES for laws of contract, It has also come to my attention that XXXX XXXX XXXX is NOT REGISTERED with the Foreign Agents Registration Act ( F.A.R.A. ), yet XXXX XXXX XXXX and XXXX XXXX XXXX. represent a company with international investors. 

I also have proof, provided to all parties involved, that this " debt '' is owned by multiple companies. My most recent correspondence outside of court with the plaintiff is a letter in THEIR OWN WRITING, that says they have sold this SAME DEBT AGAIN to a company called PROP CAP. 

How can the same company keep transferring the same, already settled, debt/loan from company to company while pursuing foreclosure on the same settled/discharged debt? 

This would suggest potential usury, failure to provide lawful set-offs and denial of rights to recoup or counterclaim the amount of credit provided. 

Again, I have provided NEWREZ LLC dba SHELLPOINT MORTGAGE SERVICING, their attorney and the court with all of this information, along with, multiple formal requests for the attorney representing to update their affidavits according to RULE 1:4-8 which states that " if a reasonable opportunity for further investigation or discovery indicates insufficient evidentiary support for any factual assertion proffered by the plaintiff in any court filings and documents in this case. '' THEY HAVE FAILED TO DO SO.

I have recently filed a motion to vacate a default judgement and have requested oral arguments in this matter to be heard on XX/XX/XXXX. 

All considerations and assistance in this matter will be greatly appreciated. 

This report has been filed with the Consumer Financial protection Bureau, The Office of Comptroller , The Federal Reserve Board, and The U.S. Department of Justice.

Sincerely, By : // XXXX XXXX all rights reserved under UCC 1-308

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