Consumer complaint received 2025-08-25 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Its important to note that an, official Court Ordered Modification Settlement was signed and approved by all parties and attorneys back on XX/XX/XXXX. This left a bad taste in the banks mouth after two bites at the apple and a 13 year long foreclosure court battle ( XXXX & XXXX ) ; with them having trouble showing full legal standing to properly foreclose, which would have left a clouded title in place. So, the settlement was the only way to resolve in the courts eyes other than a courts ruling in my favor. 

After 14 months with XXXX XXXX, the mortgage loan was transfer to Shellpoint Mortgage Servicing on or about XX/XX/XXXX. Due to late transfer notices to me, and Mortgage Statement from XXXX  showing a XX/XX/XXXX payment was due, I was confused and in fear of fraud, so I continued to make my payments to XXXX  until XX/XX/XXXX ; my first payment to Shellpoint was on XX/XX/XXXX. 

It seemed because of this Shellpoint, prematurely decided to start a foreclosure case, and hired, and assigned this matter to a Foreclosure Attorney. I was shocked, when I saw the XX/XX/XXXX Mortgage Statement showing with later letters from them stating the starting of a Foreclosure actions, after 4 letters of complaint from me to Shellpoint ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) asking for their legal justification of the {$490.00} Attorney & Foreclosure charge. In my XX/XX/XXXX letter I clearly showed via my undisputed bank statements ( ACH payments ) my payments to both XXXX  and Shellpoint from XXXX to XXXX along with my intent to continue paying to XXXX. 

Only after 4 acknowledgment letters from Shellpoint, asking for more time ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) did I get a formal 53-page Shellpoint response dated XXXX XXXX, XXXX replying saying & showing nothing more than back dated letters, which some I never received, stating they found no errors in their presentation and stand by their position. Shellpoint never attempted, to shown that I, the borrower, did anything to justify legal action from the lender? 

While Shellpoint also stating that XXXX assessed the attorneys fees on XX/XX/XXXX. Please remember according to Shellpoint and XXXX, that XXXX was no longer the servicer as of the end of XX/XX/XXXX. So how could XXXX assist this so late in the game? I now simply ask, who assigned this fee and to clearly justify this premature Foreclosure Action. I have shown my un-missed ACH mortgage payments history, with payment clearing dates exiting my account. 

Also note that on XXXX, Shellpoint attempted to self-assign property insurance, claiming the property did not have insurance. Shellpoint refused to contact XXXX to have these and others documents properly foreword to them. This servicer transfer was not transparent to me. Shellpoints self-assigned insurance they had placed in effect was more expensive with less coverage than my policy that has been in effect since XX/XX/XXXX. It took some time and effort from me to have the insurance declaration updated to show the new servicer and forward the update to Shellpoint, along with me stating I was not paying for their self-assign insurance. I never had to do this with other properties. 

How do Shellpoint justify 2-escrow adjustments in one 4-month period. Its clear to me mistakes were made on Shellpoint side and they want to hold be accountable for there errors. On XX/XX/XXXX, I mysteriously received an escrow surplus disbursement check for {$1800.00}. Then effective XX/XX/XXXX my mortgage payments increased by {$27.00}, on top of the {$490.00} Attorneys Fee. Why give me a surplus check, to only come back 2 weeks later and ask for more, when the {$27.00} ( {$320.00} annual ) could have been taken from the escrow surplus check 2 weeks earlier?

We have a lot of discrepancies here to be address. The main one being the {$490.00} Attorney Fees for a premature Foreclosure Action. This can not be paid by me, without a fully reasonable and rational explanation which places me in some kind of default.

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