Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Subject : Foreclosure Proceeding While Critical Accounting and Ownership Disputes Remain Unresolved Borrower : XXXX XXXX Loan # : XXXX Dear Consumer Financial Protection Bureau, I am filing an additional complaint regarding Shellpoint Mortgage Servicing and the ongoing foreclosure action filed on behalf of XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX. Despite my prior CFPB complaint and detailed dispute requests, Shellpoint has proceeded with foreclosure activity without providing the documentation necessary to verify the accuracy and validity of the alleged debt. In my prior complaint, I requested : A complete accounting from loan origination to present Supporting documentation for escrow charges and disbursements Property tax and homeowners insurance payment records Vendor invoices and supporting receipts Full chain of title documentation Proof of transfer into the alleged XXXX XXXX trust Proof of servicing authority and creditor identity Verification separating first mortgage amounts from any discharged second mortgage obligations Instead of resolving these issues, Shellpoint proceeded with foreclosure litigation while the debt remains disputed and unsupported by complete documentation. Shellpoint previously admitted it only began servicing the loan on XX/XX/XXXX, while simultaneously alleging the loan has been in default since XX/XX/XXXX. However, the company has still not provided complete accounting records prior to XXXX to substantiate the amounts claimed. Additionally, the companys records contain material inconsistencies, including statements that : The loan has allegedly been due since XXXX The last full payment was received in XX/XX/XXXX Significant escrow deficiencies and balances are claimed without supporting documentation The company also requested additional time to research and respond to the concerns raised in my prior CFPB complaint, which further demonstrates that the accounting and ownership issues were unresolved. Despite this, foreclosure proceedings have continued without : Verified accounting records Complete escrow substantiation Full chain of title documentation Proof of authority to enforce the alleged debt Documentation validating the balances being claimed in foreclosure I am also concerned that Shellpoint has continued to pursue payment proposals and foreclosure activity based on balances that remain disputed and unverified. Additionally, I am scheduled to meet with attorneys for XXXX XXXX XXXX XXXX and the court-appointed referee on XX/XX/XXXX, and I intend to again request the same accounting, escrow, ownership, and servicing documentation that I have repeatedly requested through the CFPB process. It has now been months since my original complaint and dispute requests, yet the requested supporting documentation still has not been provided. I respectfully request that the CFPB investigate whether Shellpoint Mortgage Servicing and the alleged creditor are proceeding with foreclosure activity without first providing adequate validation of the debt, complete accounting documentation, and proof of servicing authority. I further request that Shellpoint be required to provide : 1. Complete accounting records from origination to present 2. Supporting documentation for all escrow charges and disbursements 3. Full chain of title and trust transfer documentation 4. Proof of authority to service and enforce the loan 5. Verification that no discharged or unrelated debt has been included in the claimed balance 6. A fully documented and verified payoff and reinstatement calculation Until this information is provided, the accuracy and validity of the alleged debt remain disputed. Sincerely, 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