Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
This complaint concerns mortgage servicing and foreclosure activity following the withdrawal of foreclosure petitions, continued assessment of fees, and refusal to provide documentation. The loan originated in XX/XX/XXXX in the amount of {$45000.00} and was signed only by my father. The home itself was paid in full when purchased in XXXX and is a mobile home with a separate DMV-issued title. There are no liens recorded on the home title. My father made payments until his death in XXXX, after which my mother continued making payments. Over the years, servicing was transferred multiple times ( XXXX to XXXX, XXXX to XXXX, XXXX to XXXX XXXX, XXXX XXXX to Select Portfolio Servicing, and then to Shellpoint ). In XXXX, a loan modification was executed that listed only my mother, despite the existence of multiple legal heirs and the borrowers ( my father ) prior death. In correspondence received through foreclosure counsel, the servicer stated that the loan carries an approximately XXXX term, a term that was never disclosed to or understood by my mother at the time of the XXXX loan modification and only surfaced years later during foreclosure proceedings. In XXXX, the servicer issued another loan modification that again failed to identify or include all legal heirs and improperly listed my deceased father as a borrower, with a blank signature line for him despite his XXXX XXXX years earlier. The validity of these loan modifications is disputed, as they were executed without identifying or including all legal heirs or successors in interest, raising serious concerns regarding whether the servicer had authority to modify and enforce the loan without proper notice, consent, or participation of all interested parties. In XXXX, Shellpoint stopped the automatic draft payments. When my mother questioned the amounts being claimed, payments were no longer accepted and foreclosure-related communications followed. XXXX separate foreclosure actions were initiated by the servicers. In the first matter, foreclosure counsel withdrew the petition in XXXX after issues were raised regarding the absence of an XXXX XXXX endorsement. In the second matter, foreclosure counsel withdrew the petition on XX/XX/XXXX, XXXX day before the scheduled court hearing on XX/XX/XXXX, rather than proceed to adjudication, resulting in the foreclosure being withdrawn without any court determination regarding standing, lien validity, or authority to foreclose. Despite the withdrawal of foreclosure proceedings, foreclosure-related fees, inspections, and servicing activity continued. When I attempted to obtain documentation regarding the account, foreclosure counsel stated in writing on XX/XX/XXXX that documentation did not need to be provided to me because I was considered a non-borrower and unauthorized party, despite my status as a legal heir. A prior CFPB complaint was submitted but did not resolve these issues. I am disputing the accuracy of the balance being claimed, which has now increased to approximately {$70000.00}, the continued assessment of foreclosure-related fees after withdrawal, and the refusal to provide documentation. I am requesting a full and accurate accounting of the alleged debt, including application of payments, as approximately {$30000.00} was paid toward this account since XXXX. Additionally, substantial payments have been made toward this account since the loan originated in XXXX, but the servicer has not provided a complete life-of-loan accounting showing how all payments since origination were applied.

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